Business Insurance
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.
Inside a General Liability policy.
Bodily injury to third parties
Property damage to others
Personal & advertising injury
Products & completed operations
Defense costs and settlements
Additional insured endorsements (per contract)
Is this for you?
Contractors and trade businesses
Retailers and restaurants
Office based and professional service businesses
Anyone signing a lease, working on a client site, or hosting the public
Anyone required by contract to name an additional insured
Plain language answers.
Is GL required by law?
No, but it is almost always required by contract, by GCs, landlords and most commercial clients.
How much GL do I need?
Most contracts require $1M per occurrence / $2M aggregate. Larger jobs may require higher limits or a commercial umbrella.
Does GL cover my employees?
No, employee injuries fall under workers’ compensation. GL covers third parties only.
Coverages that pair well with this one.
Ready for a General Liability quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.