Is Your Business Protected From Everyday Risks?
General Liability Insurance shields your business from the most common and costly claims—covering customer injuries, property damage, and lawsuits. In Texas, you aren’t legally required to carry GL, but one accident or slip-up could leave you paying tens of thousands out of pocket. Whether you run a retail shop, work as a contractor, or manage an office, the risks are real. Broken Spoke Insurance helps Texas businesses across industries secure the right liability coverage, with clear answers and cost-effective options tailored to you.
What Coverage Does a California Landlord Need?
Managing rental property means managing risk. Here’s what we typically recommend for landlords and apartment owners:
Customer Injuries
If someone slips and falls in your store, GL covers medical costs and legal defense so you aren’t left facing claims alone.
Property Damage
Accidents happen—if you or your employees damage a client’s property, your policy steps in to cover repairs and settlements.
Products & Completed Operations
Protection for claims tied to products you sell or work you’ve finished, from restaurants to contractors.
Personal & Advertising Injury
Covers things like libel, slander, or copyright claims resulting from your business’s ads, website, or social media.
Certificates of Insurance (COIs)
Need proof of coverage for a contract or new job? We provide fast, hassle-free COIs so you can get started without delay.
Common Coverage Gaps We Fix
Relying on a basic policy that excludes products or completed operations
Forgetting to add additional insureds for contract work
Not updating limits as your business grows or takes on new risks
Assuming GL covers employee injuries (that’s workers’ comp)
Lacking cyber liability or auto protection when needed for your industry
How to Decide What You Need
Start With a Risk Review
Share your business type, locations, and activities—our agents explain your exposures in plain English.
Customize Your Limits
Many businesses start with $1M/$2M (per occurrence/aggregate), but we adjust based on contracts and real risks.
Bundle for Savings
Combine GL with property, auto, or a BOP to streamline coverage and costs.
Check Your Contracts
We review client requirements to ensure you have the right endorsements and COIs.
Rely on Real-World Claims Support
Broken Spoke partners with carriers known for fair, fast claim handling.
Ready to Have This Handled for You?
Most business owners come here after realizing one claim could jeopardize everything they’ve built. The next step is working with a team that delivers coverage, service, and fast support—so you’re not left in the dark when it matters most.
What to Expect From Start to Finish
When you work with Broken Spoke Insurance, you get a local advisor who reviews your needs, answers questions, and provides quotes from multiple carriers. Once you choose a policy, we issue certificates of insurance, update you at renewal, and stay ready to help with claims or coverage changes. Many businesses can be covered same day. Our team is always available by phone or at our Stratford, Dalhart, and Amarillo offices.
Compare Your Options Clearly
| Scenario/Need | General Liability | Workers’ Comp | Email Address |
|---|---|---|---|
| Covers client injuries at your site | Yes | No | No |
| Covers employee injuries | No | Yes | No |
| Covers damage to client property | No | No | Sometimes |
| Covers auto accidents in work vehicle | No | No | Yes |
| Required by law in Texas | Not usually | Optional | Yes for vehicles |
Not sure which fits your business? We’ll walk you through the best choice.
Landlord Insurance FAQs
Is business insurance required in Texas?
Certain types, like workers’ comp, are optional, but liability and auto coverage are highly recommended and often required by landlords or contracts.
How much does business insurance cost for a small business?
It varies by industry, size, and risk. We shop multiple carriers to find affordable options and keep costs down.
Do I need a Business Owners Policy (BOP)?
A BOP is ideal for many small businesses, bundling key coverages for simplicity and savings. We’ll advise you if it’s the right fit.
How can I save money on commercial insurance?
Work with an independent agency like Broken Spoke—we re-shop your policies every renewal and look for all available discounts.
Can I get coverage outside Texas?
Yes, we’re licensed in 15 states and can insure operations in multiple regions.
Take Control of Your Business Risks—Get a Quote Today
No two Texas businesses are alike. With Broken Spoke Insurance, you get tailored coverage, fast quotes, and ongoing advice to keep your business protected—without breaking the budget. Let’s talk about what you need, compare your options, and help your business grow with confidence.