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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
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    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Commercial general liability insurance (consumer publication)",
  "publisher": "Texas Department of Insurance",
  "url": "https://www.tdi.texas.gov/pubs/pc/pcgenliab.html",
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  "updateCadence": "TDI updates its consumer publications periodically; the page fetched on 2026-08-31 showed 'Last updated 1/20/2021'.",
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      "checksum": "73ada9c47f49",
      "text": "TDI states that occurrence policies cover claims arising from injury or damage occurring while the policy is in force, regardless of when the claim is first made."
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      "text": "TDI states that claims-made policies cover claims that arise from injury or damage occurring during the policy period and reported to the insurer during the policy period."
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      "text": "TDI lists common commercial general liability exclusions including damage to your work, damage to your product, contractual liability, recall of products, work, or impaired property, and workers' compensation and employer's liability, and also discusses pollution exclusions."
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      "text": "Writing about surplus lines insurance, TDI states that defense costs could be included within the limit of liability, and that prior acts or run-off coverage may not be available."
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      "text": "TDI advises policyholders to carefully review their policy and any endorsements to know exactly what the policy does and does not cover."
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      "title": "Why can two insurance policies with the same limit protect differently?",
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  "citation": {
    "text": "Texas Department of Insurance. \"Commercial general liability insurance (consumer publication).\" unknown. https://www.tdi.texas.gov/pubs/pc/pcgenliab.html (retrieved 2026-08-31).",
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    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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