General Liability
What's included
What It Covers
Bodily Injury
Helps pay for claims when someone outside your business is injured on your premises or because of your operations, such as a customer slipping in your store.
Property Damage
Helps cover damage your business causes to someone else's property, such as a contractor accidentally damaging a client's home.
Personal & Advertising Injury
Can help with claims of libel, slander, false arrest or certain copyright issues in your advertising.
Products & Completed Operations
Helps protect you when a product you sold or work you finished causes injury or damage after it leaves your hands.
Medical Payments
May pay minor medical expenses for a person injured on your premises, regardless of fault, which can help resolve small incidents quickly.
Legal Defense Costs
Typically pays for attorneys and court costs to defend a covered claim, even if the claim turns out to be groundless.
Who Needs It
- Contractors and tradespeople who work at client homes and job sites.
- Retail stores, restaurants and other businesses that welcome customers on site.
- Businesses that must show proof of insurance to sign a lease, contract or permit.
- Manufacturers, distributors and sellers of products.
Optional Coverages
- Additional Insured EndorsementExtends coverage to a client, landlord or general contractor that asks to be named on your policy.
- Liquor LiabilityHelps protect businesses that sell, serve or furnish alcohol from claims involving intoxicated guests.
- Hired & Non-Owned AutoLiability protection when you or your employees use rented or personal vehicles for business errands.
- Commercial UmbrellaA separate policy that adds extra liability limits above your general liability and other underlying policies.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Does general liability cover injuries to my own employees?
No. Injuries to your employees are typically covered by workers' compensation, which most employers are required to carry by state law. General liability is designed for claims made by third parties, such as customers and visitors.
Does general liability cover mistakes in my professional work?
Generally, no. Claims that your advice, design or professional service caused a financial loss are usually handled by professional liability, also called errors and omissions. Many service businesses carry both policies.
Do I need a certificate of insurance?
Many landlords, clients and general contractors ask for a certificate of insurance before you start work or sign a lease. It is a one-page document that summarizes your coverage and limits. It can usually be issued quickly, and the requesting party may be added as an additional insured if your policy allows it.
How much general liability coverage do I need?
It depends on your industry, contracts and level of risk. Many policies are written with limits such as $1 million per occurrence and $2 million aggregate, but some contracts require more. Our agents can review your contract requirements and help you choose limits that fit your business.
Ready to Get Started?
Get a personalized General Liability quote or speak with one of our experienced agents.