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General Liability Insurance
One slip and fall or damaged customer property can turn into a lawsuit that costs more than a year of profit. Two liability policies can look alike and cover very differently, so we point out the exclusions before you buy, compare several insurance companies, and match your limits to what clients and landlords require. Call or text with your contract or lease and we'll start there.
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What It Covers
What General Liability Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Bodily injury to customers and the public
- Damage to other people's property
- Legal defense for covered claims
- Personal and advertising injury, like libel or slander
- Products and completed operations
Good to Know
Before You Buy
These details decide whether a claim is paid. We go through each one with you before you sign.
- Limits. Most policies have a per-claim limit and a yearly total, commonly $1 million and $2 million. Contracts and leases often set the minimum you need.
- Additional insured. Clients and landlords often require it before you start. It has to be added to the policy itself, not just shown on a certificate.
- Exclusions. Two policies can look alike and exclude different work. We check for exclusions that apply to what you do.
- Audits. Many policies are priced on your payroll or sales and checked after the policy year. Accurate estimates up front help you avoid a surprise bill.
- Your employees. Injuries to your own employees aren't covered here. That's what workers comp is for.
- What it leaves out. Professional mistakes, your own property, your vehicles and most data breaches need their own coverage.
Pair It With
Gaps Businesses Often Miss With Liability
General liability leaves these out. We check for every one of them when we quote your business.
Liability Doesn't Cover Your Own Property
General liability covers damage you cause to others. Your building, equipment and inventory need property coverage.
Employee Injuries Need Workers Comp
Injuries to your own employees fall under workers comp, which most states require once you have employees.
Business Vehicles Need Their Own Policy
General liability excludes autos. Business vehicles need commercial auto.
Advice and Mistakes Need Professional Liability
If clients pay for your expertise, a claim that you made a mistake usually falls outside general liability.
Data Breaches Are Usually Excluded
Most liability and property policies exclude cyber events. A cyber policy helps pay for the response.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
More Business Insurance
Other Business Options
Let's Look at Your Business.
Final approval and pricing are set by the insurance company.