Protection for everyday liability.
Coverage for third-party bodily injury, property damage, and premises liability arising from your business operations.
General liability is often a starting point for business coverage. It may help protect against common liability claims from customers, vendors, and others who interact with your business. We help you understand what's available and review options from multiple insurance markets.
Third-Party Bodily Injury
Coverage for claims of bodily injury to others arising from your business operations, subject to policy limits.
Property Damage
Coverage for claims of damage to a third party's property caused by your business operations.
Premises Liability
Protection for bodily injury or property damage that occurs on your business premises.
Completed Operations
Coverage options may extend to bodily injury or property damage arising from work your business has already completed, subject to policy terms.
Products Liability
Coverage considerations for businesses that manufacture, distribute, or sell products.
Medical Payments
May help with medical expenses for others injured on your premises or by your operations, regardless of fault, subject to policy limits.
Legal Defense
May help cover the cost of defending against covered claims, subject to policy terms.
Common Liability Claims
Examples include a customer slipping on your premises or property damage caused during a service call.
Built around everyday liability exposure.
General liability is designed to address the liability exposure that comes with running a business — from customers on your premises to property damage caused during your work.
Because liability exposure varies by industry and operation, we review how your business works and help identify coverage options that may fit.
Small Businesses
General liability is often considered foundational coverage for businesses that interact with customers or the public.
Contractors & Trades
Trades and contractors may face premises and completed-operations exposure on job sites.
Retail & Storefronts
Businesses with foot traffic carry premises liability for customers on-site.
Service Providers
Service businesses may face property damage or bodily injury claims during the course of their work.
Understanding general liability.
What does general liability typically cover?
General liability may cover third-party bodily injury, property damage, premises liability, and completed operations, subject to policy limits and exclusions.
Is general liability required?
It is not always legally required, but it is often required by contracts, landlords, clients, or licensing boards before you can begin work.
Does it cover injuries to my employees?
No. Work-related injuries to employees are generally addressed by workers' compensation coverage, not general liability.
How is general liability different from professional liability?
General liability addresses bodily injury and property damage. Professional liability addresses errors or omissions in the professional services you provide.
Request a liability review.
Tell us about your business operations and we'll help you review general liability coverage options.