General Liability Insurance

Everyday protection for your business

Coverage for injuries, claims, and more

Protect Your Business From the Unexpected

General liability insurance helps protect your business from the most common risks—things like property damage, customer injuries, and third-party lawsuits. It’s a foundational policy for nearly every business, large or small. Whether you run a storefront, manage a team, or visit clients onsite, general liability coverage helps shield you from expensive legal claims. We’ll help you find a plan that fits your risk, industry, and budget.

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Protection for everyday business risks

What General Liability Includes

Bodily Injury Claims

Covers medical expenses if someone is injured on your business property or job site.

Property Damage

Helps pay for damage you accidentally cause to a client’s property.

Legal Defense Costs

Covers attorney fees, court costs, and settlements if you’re sued.

Advertising Injury

Protects against claims like libel, slander, or copyright infringement related to your marketing.

Third-Party Liability

Applies when vendors, customers, or contractors experience harm related to your operations.

Liability claims can add up fast

Why Your Business Needs It

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It’s Often Required

Landlords, clients, and licensing boards may require proof of coverage before doing business with you.

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Lawsuits Are Costly

Legal claims—even unfounded ones—can quickly reach thousands in legal fees and damages.

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It Protects Your Reputation

Handling claims quickly and professionally helps protect your company’s credibility and client trust.

What every business owner should know

General Liability FAQs

  • Does general liability cover employee injuries?

    No. General liability covers injuries to third parties, such as clients or vendors—not employees. If an employee is injured on the job, workers’ compensation insurance would apply. It’s important to carry both if you have a team. We’ll help you build a policy package that keeps everyone protected.

  • Is general liability required by law?

    It’s not legally required in most states, but many landlords, vendors, and clients will require it in contracts. For most small businesses, it’s a must-have to operate smoothly and legally. It also offers peace of mind when working with the public. Even a minor mishap can lead to a costly claim.

  • What’s the difference between general and professional liability?

    General liability covers physical claims, like bodily injury and property damage. Professional liability (or errors & omissions insurance) covers service-based mistakes—like giving incorrect advice or missing a deadline. Depending on your industry, you may need one or both. We can help clarify which fits your business best.

  • How much coverage do I need?

    Coverage limits depend on your industry, location, client requirements, and risk level. A typical small business might carry $1 million per occurrence and $2 million aggregate. If your contracts require higher limits, we’ll help you find a policy that checks all the boxes.

  • Can I bundle general liability with other policies?

    Yes. Many small businesses choose a Business Owner’s Policy (BOP), which combines general liability and property coverage in one affordable package. Bundling policies can help reduce premiums and simplify your coverage. Let’s see what makes the most sense for your setup.