General Liability Insurance
The foundation of every business insurance program — protecting you from the most common and costly third-party claims.
What's Covered
What General Liability Covers
Bodily Injury to Third Parties
Covers medical and legal costs if a customer or visitor is injured on your business premises or due to your operations.
Property Damage
Pays for damage your business causes to someone else's property during the course of your operations.
Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, or false advertising arising from your business activities.
Legal Defense Costs
Covers attorney fees, court costs, and settlements even when claims are groundless — up to your policy limits.
FAQ
Common Questions
Who needs general liability insurance?
Almost every business. Landlords, clients, and licensing boards commonly require proof of general liability before you can rent a space, sign a contract, or obtain a business license.
How much general liability coverage do I need?
Most small businesses carry $1M per occurrence / $2M aggregate. Higher-risk industries or larger contracts may require $2M or more. We'll help you determine the right limit.
Does general liability cover employee injuries?
No — employee injuries are covered by workers' compensation, which is a separate policy. General liability only covers third-party (non-employee) claims.
Protect your business from day one
Get a free general liability quote — most businesses qualify in minutes.