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General Liability Insurance
The Foundation of Business Protection
A customer slips on a wet floor. A display shelf falls and damages someone's phone. A delivery driver claims your parking lot cracked his windshield. General liability insurance is designed to help cover claims like these — including the legal defense costs that pile up even when you did nothing wrong.
For most businesses, general liability is the first policy to buy and the one landlords, franchisors, and contracts almost always require.
What General Liability May Help Cover
- Bodily injury — a customer or visitor injured on your premises or by your operations
- Property damage — damage your business causes to someone else's property
- Products and completed operations — injuries caused by products you sell or work you've completed
- Signing a lease or contract with insurance requirements
- Any renewal — carriers reprice every year; we re-shop every year
What It Does Not Cover
General liability does not cover your own property (that's commercial property insurance), employee injuries (workers compensation), business vehicles (commercial auto), or professional mistakes (professional liability). We'll help you see the whole picture so nothing falls through the gaps.
FAQ
No state law requires it, but in practice it's unavoidable: commercial leases, vendor agreements, franchise contracts, and many client contracts require proof of general liability before you can operate or get paid.
Most small businesses carry $1 million per occurrence / $2 million aggregate — the standard most contracts require. Higher-risk operations or larger contracts may need more, sometimes via a commercial umbrella policy.
Often a few hundred to a couple thousand dollars per year for small businesses, driven by industry, revenue, and location. Retail and offices sit at the low end; fuel, food service, and repair work cost more.
No. Employee injuries fall under workers compensation. General liability covers third parties — customers, vendors, and the public.
A COI is a one-page proof of coverage that landlords and contract partners request. We issue them same-day in most cases, with additional-insured wording when your contract requires it.
Both. It's available standalone, or bundled with property coverage in a Business Owners Policy (BOP), which is often cheaper. We'll quote it both ways.
