General Liability Insurance

Business Insurance for General Liability

General liability insurance is the foundation of commercial insurance coverage. It protects your business from claims made by third parties for bodily injury, property damage, personal injury, and advertising injury that occur during normal business operations.

Why Your Business Needs This

• Customer slips and falls on your premises can result in costly medical bills and legal expenses
• Accidental damage to client property during service calls can lead to expensive replacement costs
• Advertising injury claims from competitors can drain your resources without proper protection
• Legal defense costs alone can threaten your business even if you're not at fault

What It Covers

This policy covers bodily injury to third parties on your property or caused by your operations, damage to someone else's property, medical payments for injured parties regardless of fault, personal and advertising injury including slander and copyright infringement, and legal defense costs. Coverage applies to incidents at your location, job sites, and during business activities.

Who Needs General Liability Insurance?

Nearly every business needs general liability coverage. Retail stores, contractors, consultants, service providers, and office-based businesses all face exposure to third-party claims. Many clients and landlords require proof of coverage before doing business with you.

How Much Coverage Do You Need?

Coverage limits typically range from one to two million dollars per occurrence. Your ideal coverage amount depends on your industry risk level, contract requirements, and asset protection needs. We help you determine the right balance between adequate protection and affordable premiums.