General Liability Insurance
Protecting Your Business From Everyday Risks and Unexpected Claims
What Is General Liability Insurance?
General Liability Insurance is essential protection for businesses of all sizes. It covers common risks such as customer injuries, property damage, and third-party claims that may arise during your normal business operations. Whether you operate a storefront, work on job sites, visit clients, or provide services in the community, this policy helps shield your business from unexpected accidents and legal costs.
It’s a foundational coverage that supports nearly every type of business, from small startups to large organizations.
Why Do You Need It?
Accidents happen—and when they do, your business could be held financially responsible. A customer slipping in your store, damage caused during a service visit, or an unexpected claim of bodily injury can lead to costly lawsuits, medical bills, and legal fees. Without General Liability Insurance, these expenses could threaten your business’s financial stability.
This coverage protects your company’s assets, helps maintain your reputation, and gives you peace of mind knowing that one accident won’t derail your success.
Types of General Liability Insurance
Bodily Injury Coverage – Pays medical costs, legal fees, and settlements if someone is injured due to your business operations.
Property Damage Coverage – Covers accidental damage you or your employees cause to someone else’s property.
Personal & Advertising Injury – Protects against claims of slander, libel, copyright infringement, or reputational harm.
Medical Payments Coverage – Pays for minor medical expenses for third parties injured on your premises, regardless of fault.
Products & Completed Operations Coverage – Covers claims related to products you sell or work you’ve completed.
Damage to Premises Rented to You – Covers accidental damage caused to a rented workspace or property.
Legal Defense Costs – Pays for attorneys, court fees, settlements, and other legal expenses tied to covered claims.
Contractual Liability Coverage – Protects your business when entering contracts that require you to assume certain liabilities.
Liquor Liability (Optional Add-On) – Required for businesses that manufacture, serve, or sell alcohol.
Additional Insured Options – Allows you to extend coverage to partners, landlords, or contractors when needed.