General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and advertising injury
What is General Liability Insurance?
General Liability Insurance is the foundation of business insurance protection. It covers your business against claims of bodily injury, property damage, personal injury, and advertising injury that may occur during normal business operations.
Whether you're a contractor working on a job site, a retailer serving customers, or a service provider visiting client locations, general liability insurance protects you from the financial burden of lawsuits and claims that could otherwise devastate your business.
What's Covered
Bodily Injury
Coverage for medical expenses, legal fees, and settlements if someone is injured on your business premises or as a result of your business operations.
Property Damage
Protection if your business operations damage someone else's property, including repairs, replacement costs, and legal defense.
Personal & Advertising Injury
Coverage for claims of libel, slander, copyright infringement, or wrongful eviction arising from your advertising or business practices.
Legal Defense Costs
Payment for attorney fees, court costs, and settlements or judgments, even if the claim is groundless or fraudulent.
Medical Payments
Immediate medical expense coverage for minor injuries on your premises, regardless of fault, helping prevent larger lawsuits.
Products & Completed Operations
Protection for claims arising from products you sell or work you've completed, even after the project is finished.
Who Needs General Liability Insurance?
Nearly every business can benefit from general liability coverage. It's especially important if you:
Interact with customers or clients in person
Work on client premises or job sites
Manufacture or sell products
Have a physical business location
Need to meet contract requirements
Want to protect your business assets
Common Claim Scenarios
Slip and Fall Accidents
A customer slips on a wet floor in your store and breaks their arm, requiring medical treatment and time off work.
Property Damage During Work
While performing services at a client's location, your employee accidentally damages expensive equipment or furniture.
Product Liability
A product you sold causes injury to a customer, leading to medical bills and a potential lawsuit.
Advertising Injury
Your marketing materials inadvertently use copyrighted content, resulting in an infringement claim.
Related Insurance Products
Workers Compensation
Required coverage for employee injuries and illnesses that occur on the job.
Learn More →Business Owners Policy
Bundled coverage combining general liability and property insurance.
Learn More →Ready to Protect Your Business?
Get comprehensive general liability coverage tailored to your business needs. Our experienced agents will help you find the right policy at the best price.