General Liability Insurance, explained.
Foundation coverage for any business that interacts with clients, contracts, or the public.
General Liability Insurance
General Liability (GL) insurance protects your business when your operations cause bodily injury or property damage to a third party. It is the policy GCs and clients require before you set foot on a job, sign a lease, or open your doors.
Without GL, a single slip-and-fall, damaged property at a client site, or product-related claim can put your business at risk for tens of thousands in legal defense and settlement costs. Most commercial contracts make GL non-negotiable.
Is this for you?
Inside a General Liability policy.
When this coverage pays off.
Client trip & fall
A vendor visits your office, trips on a cable, and breaks a wrist. GL responds to medical bills and the resulting suit.
Damaged client property
A subcontractor accidentally cuts a fiber line during install — GL covers the repair to the client’s property.
Faulty workmanship claim
Months after the job, a client claims your work caused water damage. GL’s completed-operations coverage steps in.
Plain-language answers.
No, but it is almost always required by contract — by GCs, landlords, and most commercial clients.
Most contracts require $1M per occurrence / $2M aggregate. Larger jobs may require higher limits or a commercial umbrella.
No — employee injuries fall under workers’ compensation. GL covers third parties only.
Ready for a General Liability quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.