General Liability Insurance in Wichita Falls, TX
Why General Liability Insurance Matters in Wichita Falls
Accidents happen — and when they do, your business could be held financially responsible. From slip-and-fall injuries to property damage, lawsuits, or product-related claims, one incident could create major expenses. General liability insurance provides essential protection, helping Wichita Falls businesses stay secure and avoid costly setbacks.
At Montoya Insurance Group, LLC, we help businesses of all sizes — from small shops to large companies — find the right general liability coverage at affordable rates.
What Our General Liability Insurance Covers
Our policies protect your business from common risks, including:
- Bodily Injury & Medical Costs – Covers injuries that happen on your property.
- Property Damage Liability – Pays for damage to another person’s property caused by your business.
- Personal & Advertising Injury – Protection against claims of libel, slander, or copyright infringement.
- Products & Completed Operations – Covers liability from the products you sell or work you’ve completed.
- Fire Liability Coverage – Protection if your business causes fire damage to rented property.
- Employment Practices Liability (optional) – Coverage for claims related to hiring or workplace practices.
Common Add-Ons & Options
We can help Wichita Falls renters customize policies with:
- Liquor liability coverage (for bars, restaurants, or events serving alcohol)
- Extended coverage for professional negligence
- Bundled policies (property + liability for cost savings)
- Higher limits for businesses with greater risk exposure
Who Needs General Liability Insurance in Wichita Falls?
Every business, no matter the size, should consider general liability coverage, including:
- Retail Stores & Boutiques – Protecting against customer injuries or property damage.
- Restaurants & Cafés – Liability protection for food, service, or premises accidents.
- Contractors & Trades – Covering worksite risks and completed projects.
- Small Home-Based Businesses – Filling gaps that homeowners insurance won’t cover.
Local Risks to Consider
- Customer Accidents – Slip-and-fall claims are one of the most common small business risks.
- Fire Liability – Rental spaces and leased offices often require coverage for fire-related damage.
- Product Liability – Manufacturers and sellers face risks tied to defective products.
FAQs – General Liability Insurance in Wichita Falls
Is general liability insurance required in Texas?
It’s not legally required, but many landlords, lenders, and clients will require proof of coverage.
Does liability insurance cover employee injuries?
No. Employee injuries are covered under workers’ compensation policies.
Can I combine liability with other coverage?
Yes. Many businesses choose a Business Owner’s Policy (BOP) that combines property and liability.
What happens if my claim exceeds my policy limits?
Umbrella insurance can extend your protection beyond general liability limits.
Do you provide bilingual service?
Yes. Montoya Insurance Group, LLC serves Wichita Falls businesses in both English and Vietnamese.
Protect Your Business Against the Unexpected
Get the Right General Liability Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we make it simple to protect your business from everyday risks. From customer injuries to property damage and product claims, our general liability policies give Wichita Falls business owners the peace of mind they need to focus on growth — not lawsuits.