General Liability Insurance

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Business Insurance

The coverage every contract asks you to prove.

General liability protects your business when your work, your premises, or your products injure someone or damage their property. It is also the policy behind almost every certificate a client or landlord will demand.

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The Basics

What general liability does, and what it does not.

A GL policy responds when a third party is hurt or their property is damaged because of your operations. A customer slips in your shop. A crew damages a wall on a job. A product you sold fails and causes injury.

What it does not cover surprises people: your own tools, your own building, mistakes in professional advice, employee injuries, or damage to the specific work you performed. Each of those needs a different policy, and the gaps between them are where uninsured losses happen.

  • Bodily injury and property damage to third parties
  • Products and completed operations
  • Personal and advertising injury
  • Legal defense costs, even for a claim that goes nowhere

Not Covered by GL

  • • Your own tools and equipment
  • • Your building and contents
  • • Employee injuries (workers comp)
  • • Vehicles (commercial auto)
  • • Professional errors (E&O)
What’s Included

Core parts of a general liability policy

Bodily Injury

Medical costs and damages when someone is hurt because of your operations.

Property Damage

Damage your business causes to property belonging to someone else.

Products & Completed Ops

Claims arising after the job is finished or the product has left your hands.

Personal & Advertising Injury

Libel, slander, and copyright claims arising from your advertising.

Defense Costs

Attorney fees and court costs, which the carrier pays even on a groundless suit.

Additional Insureds

Endorsements naming clients, landlords or general contractors as your contracts require.

Common Questions

General Liability FAQs

How much liability coverage do I need?
Most contracts specify a minimum, commonly one million per occurrence and two million aggregate. Send us the contract and we will write to what it actually requires rather than guessing high or low.
What is an additional insured endorsement?
It extends your policy to cover another party, usually a general contractor, client or landlord, for claims arising from your work. The wording has to match the contract exactly, so send us the requirement rather than a summary.
Should I get a BOP instead?
A business owners policy bundles general liability with property coverage and often costs less than buying them separately. It suits many small businesses, though some operations do not qualify. We will price both.
Does it cover mistakes in my work?
Not the cost of redoing your own faulty work. It covers resulting damage to other property. If your business gives professional advice or design, you likely also need errors and omissions coverage.

Need a certificate for a contract?

Send us the requirement and we will write coverage that matches it.

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