Property & Casualty — Commercial
General Liability Insurance
The essential foundation of every business insurance program.
General liability insurance protects your business from claims of bodily injury, property damage, and personal and advertising injury caused by your operations, products, or employees. It's required by most landlords, clients, and contracts — and it's the cornerstone of any sound commercial insurance program.
What's Covered
- Bodily injury to third parties on your premises or caused by your operations
- Property damage you cause to someone else's property
- Personal and advertising injury — libel, slander, copyright infringement
- Products and completed operations liability
- Medical payments for injured third parties
- Defense costs and legal fees, even for groundless claims
Why It Matters
A single slip-and-fall claim, a client alleging your work damaged their property, or an advertising dispute can result in legal costs and settlements that put a small business under. General liability coverage ensures you have the resources to defend yourself and satisfy judgments — without depleting your business capital.
Common Questions
How much general liability coverage do I need?
Most small businesses start with $1M per occurrence / $2M aggregate. Contracts with larger clients or high-risk operations may require higher limits. We review your contracts and exposures to make the right recommendation.
Does general liability cover my employees?
No — employee injuries are covered by workers' compensation, not general liability. GL covers third parties (customers, visitors, contractors) who are harmed by your business.
Is general liability included in a BOP?
Yes. A Business Owners Policy (BOP) bundles general liability and commercial property together at a discounted rate. It's a great fit for most small and mid-sized businesses.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.