General Liability Insurance

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
Property Damage coverage for the physical damage to property of others or the loss of use of that property
Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
Contractual Liability extends to any liability you may assume by entering into a variety of contracts
Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

We Shop Insurance for You

Unlike sites programmed to provide free insurance quotes online, we get a real person (an expert agent) on the job. Every. Single Time.

Our quotes are still delivered confidentially, fast and for free. They're just more customized to you, your business, and your family.

You tell us a little about you and what you need, and we get going. And if we know we can't find you better coverage and rates than you already have, we'll send you on your way.

Your Personal Insurance Consultant

You get a direct line to your own insurance consultant: a real person who loves what they do and will communicate with you how you like, whether by email, phone or text.

Their goal: to learn about your needs, help you save money & time, manage your claims, & present you with policies that give you the best coverage at the lowest rates. Now, and as you grow. Services are custom, unbiased, free, and only for Texans.

Free Quotes for Every Scenario

Finding the right insurance can be confusing and complicated. Even car insurance. Every one is different.

Whether you're shopping insurance for a new driver, a high risk driver, your entire family, your business, your beloved 20 year old Honda, or your new luxury car, we can quote plans from multiple carriers to create a custom insurance package specific to you.

One-Stop Insurance Shop

We sell pretty much every kind of insurance except for health insurance. That means we can help shop for and manage your car, home, life, and business insurance. That way, when life happens and you need to file a claim in any of these arenas, you can always call your one trusted FACT insurance guy or gal for advice and assistance.

We only partner with carefully selected insurance carriers we respect and trust to fulfill their promises and provide the coverage our clients need.

Our insurance company partners have policies designed to cover residents and businesses throughout the state of Texas.

We know Texas insurance. We're licensed, independent agents who have studied and sold insurance in Texas for over 20 years. Additionally, we've worked with thousands of clients, and have worked to get to know each and every one.

Our Auto Policy Carriers

(Including, but not limited to.)

Our services are free. Our goal is to help you find the Goldilocks of plans: no more and no less than you need.

We've helped Texans find and get the most out of their insurance policies for over 20 years. Our reviews on Google average 4.8 out of 5 stars, which we believe is a reflection of our policy to always put our clients first.

1000s of happy clients

Team of strong professionals

We're a small business of licensed, independent agents who continuously work to stay up-to-date on insurance best practices, carriers, and regulations in Texas.

The best in the business

General Liability Insurance