General Liability Insurance in Texas

Coverage where you live and work

Coverage Guidance Across Our Nine Service States

Reviewed October 11, 2026. Select coverage for your product and location; state rules and individual requirements are different.

Texas coverage guidance

Texas Coverage Requirements and Choices

Workers Compensation in Texas

Most private employers can choose whether to carry workers compensation. Public-project and other exceptions, non-subscriber duties, and customer contracts need a separate review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Texas employer coverage guidance

Florida coverage guidance

Florida Coverage Requirements and Choices

Workers Compensation in Florida

Workers compensation generally applies at one employee in construction and four employees in non-construction businesses. Agriculture, owner exemptions and subcontractors have additional rules.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Florida employer coverage guidance

Georgia coverage guidance

Georgia Coverage Requirements and Choices

Workers Compensation in Georgia

Businesses regularly employing three or more people, including regular part-time workers, generally need workers compensation. Owner elections and subcontractor arrangements need review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Georgia employer coverage guidance

New Mexico coverage guidance

New Mexico Coverage Requirements and Choices

Workers Compensation in New Mexico

Businesses with three or more employees generally need workers compensation. Work requiring a Construction Industries Licensing Act license requires coverage regardless of employee count.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official New Mexico employer coverage guidance

Kansas coverage guidance

Kansas Coverage Requirements and Choices

Workers Compensation in Kansas

Workers compensation generally applies when annual payroll exceeds $20,000. Agricultural and other statutory exceptions, family wages and subcontractor relationships require a careful review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Kansas employer coverage guidance

Ohio coverage guidance

Ohio Coverage Requirements and Choices

Workers Compensation in Ohio

Employers with one or more employees generally need workers compensation, with specified elective-coverage exceptions. Ohio BWC is the state provider; HIA can help identify coverage questions and direct you to BWC.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Ohio employer coverage guidance

South Dakota coverage guidance

South Dakota Coverage Requirements and Choices

Workers Compensation in South Dakota

South Dakota recommends workers compensation to protect employers from civil suits. Coverage duties, covered employment, owner-operator arrangements and exceptions should be checked with the Department of Labor and Regulation.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official South Dakota employer coverage guidance

Arizona coverage guidance

Arizona Coverage Requirements and Choices

Workers Compensation in Arizona

Arizona generally requires employers with one or more employees to carry workers compensation. Worker classification, owner elections and statutory exceptions should be checked with the Industrial Commission.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Arizona employer coverage guidance

Virginia coverage guidance

Virginia Coverage Requirements and Choices

Workers Compensation in Virginia

Employers regularly employing more than two part-time or full-time workers generally need workers compensation. Subcontractors and temporary work in Virginia can affect the count and coverage obligation.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Virginia employer coverage guidance

Requirements can change. A licensed agent reviews the applicable policy, vehicle or business classification, contracts and official requirements before binding.

Business Insurance Coverage Built Around You

Compare coverage for your operations, employees, property, contracts, and vehicles through one independent agency.

General liability

Review protection for covered third-party injury or property damage claims.

Property and business owner policies

Discuss your premises, equipment, inventory, and eligibility for a business owner policy.

Employees and specialist risks

Ask about workers compensation, professional liability, cyber, and other coverage relevant to your work.

Why Choose Hancy’s Insurance Agency?

HIA helps individuals, families, and businesses compare available insurance options through one independent agency. A licensed agent explains limits, deductibles, exclusions, and next steps before you choose.

Compare available carrier and partner-market options
Get guidance based on your actual coverage needs
Review policy terms and payment options
Receive help with renewals, policy changes, and claims direction

Final rates and eligibility depend on carrier underwriting. Coverage is not bound until confirmed.

Compare Business Insurance by State

Explore insurance resources across HIA’s nine licensed states. Availability varies by product, location, and eligibility.

Why Clients Trust HIA

Independent guidance

Review coverage through available carriers and partner markets with one agency.

Coverage explained

Understand limits, deductibles, exclusions, and underwriting before making a decision.

Service after the sale

Request policy changes, renewal reviews, documents, and claims guidance.

Possible Market Options

Carrier availability depends on your state, coverage needs, underwriting, and HIA’s active market access. Ask your agent which options are available for your request.