Commercial Liability Insurance in Fredericksburg, TX
Commercial general liability (CGL) protects a business from third-party claims for bodily injury, property damage, and personal/advertising injury. Many Texas commercial leases and client contracts require a minimum of $1M per occurrence / $2M aggregate. Independent commercial agents can often bundle CGL with property, auto, and workers' comp.
13 commercial insurance agencies in Fredericksburg
Within 15 miles of Fredericksburg, TX. Click any agency to view profile, contact info, and request a quote.
Garrett Insurance Agency, LLC
Garrett Independent Insurance Agency is a family‑owned, independent insurance agency with locations in Texas and Kansas. For over 100 years it has provided commercial and personal insurance solutions to individuals, families, farmers, and businesses, emphasizing integrity, accountability and honesty.
Inszone Insurance Services
Bierschwale-Rees Insurance is an independent agency that has served Gillespie County and the wider Texas area for over 100 years, offering personal and commercial insurance solutions. They provide a range of coverages from auto and homeowners to commercial property and farm & ranch policies.
Keith Stehling Insurance
Providing old time customer service to Fredericksburg and surrounding communities since 1980. Keith Stehling Insurance is a family‑owned, locally operated agency with licensed professionals, serving clients for over 40 years with quality, dependable insurance options.
Farmers Insurance - Sterling Blocker
Farmers Insurance offers auto, home, renters, and life insurance options through this agent locator page.
New York Life
New York Life is the largest mutual insurer in the United States, offering life insurance, long‑term care, disability, investment, retirement and advisory services. With over 12,000 agents and advisors, they provide personalized financial guidance and have been operating since 1845.
Billy Johnson - State Farm Insurance Agent
Billy Johnson is a State Farm insurance agent in Fredericksburg, Texas, offering auto, homeowners, renters, life, motorcycle and boat insurance, as well as personal and business coverage. The agency has been serving the community since 1980 and provides 24‑hour after‑hours service by appointment.
Nationwide Insurance: The May Group LLC
Leavitt Group Texas Select is an independent insurance agency affiliated with Nationwide, offering auto, home, life, and small business coverage to clients in Fredericksburg, TX. The agency helps customers review and bundle policies to suit their changing needs.
Gillespie Farm Mutual Insurance Company
Gillespie Farm Mutual Insurance Company, a non‑profit co‑op founded in 1924, specializes in rural and urban property insurance. They emphasize personal service and write coverage for farm implements as well as homes.
Citizens Insurance Agency (Germania Insurance Agency Fredericksburg)
Licensed insurance agency in Fredericksburg, TX; represents 1 carrier.
Texas Risk Partners
Texas Risk Partners is a premier business insurance agency specializing in commercial insurance options, serving the entire state of Texas from offices in San Angelo and Fredericksburg.
Farmers Insurance - Jeff Longino
Licensed insurance agency in Fredericksburg, TX; represents 1 carrier.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Fredericksburg, TX; represents 1 carrier.
GILLESPIE COUNTY FARM BUREAU
Licensed insurance agency in Fredericksburg, TX; represents 1 carrier.
Frequently asked questions
Is commercial liability insurance required in Texas?
Not by state law, but most commercial leases, client contracts, and licensing requirements mandate a minimum CGL policy. Standard limits are $1M per occurrence / $2M aggregate.
What's the difference between general liability and a BOP?
A Business Owner's Policy (BOP) bundles general liability with commercial property coverage, often at a discount versus buying each separately. Most small businesses with a physical location qualify.
How is my premium calculated?
Carriers underwrite based on industry classification, annual revenue, payroll, prior claims history, and risk exposure. A retail shop pays differently than a contractor or consultancy.