The foundation of any commercial insurance program. Protects your business against third-party claims of bodily injury, property damage, and the legal costs that follow.
General Liability insurance covers Bodily Injury or Property Damage to other persons or businesses as a result of your business operations. When a covered claim arises, the policy pays both the damages awarded to the injured party and your legal defense costs — even if the lawsuit turns out to be groundless.
Applies to injuries that occur on your business premises, or that result from your ongoing business operations and products.
General Liability is written on an occurrence basis. If an incident happened while your coverage was active, you are protected — even if the policy has since expired when the claim is filed.
Attorney fees, court costs, and defense expenses are covered in addition to any damages awarded — not subtracted from your policy limit.
Typical limits range from $100,000 to $2 Million per occurrence. Higher limits are available and often required by contracts or government work.
General Liability is the foundation of any commercial insurance program. It's often required by landlords, clients, and government contracts before your business can even get through the door.
General Liability does not warrant the quality of your work. If a client claims your finished product or completed service was faulty or caused them financial harm, that falls outside the scope of a standard GL policy. For work-related mistakes, you need to add Professional Liability / E&O coverage.
General Liability can be purchased as a standalone policy or combined with commercial property coverage as part of a Business Owner's Policy (BOP) or a broader Commercial Package Policy. Bundling often reduces your overall premium while simplifying your insurance program.