General Liability

What is General Liability insurance and what types of businesses need it?

General liability insurance protects you and your business from “general” claims involving bodily injuries and property damage. Almost every business has a need for general liability insurance.

What Does General Liability Insurance Cover?

General liability insurance helps cover costly claims that can come up during normal business operations. If you don’t have coverage, you’d have to pay for these general liability insurance costs out of pocket.

A general liability insurance policy can help cover claims that your business caused:

Third-party bodily injury: If a customer gets hurt after slipping and falling in your store, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.

Third-party property damage: If you or your employees work at a client’s house, your business faces a risk of causing property damage. Property damage liability coverage can help pay for repair or replacement costs if your business damages someone else’s belongings.

Reputational harm: Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.

Advertising injury: Your business can get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.

Be aware that general liability insurance doesn’t cover every kind of claim. For example, it doesn’t help your business with claims of:

  • Work-related injuries or illnesses sustained by employees, which workers’ compensation insurance can help cover. This insurance can help pay for their medical expenses and ongoing care costs.

  • Damage to your own business property, which commercial property insurance can help with.

  • Mistakes made in your business’ professional services, which professional liability insurance can help cover.

What information is required to obtain General Liability quote?