What It Is
General liability insurance helps protect your business when a third party claims they were injured or their property was damaged because of your operations, products, or advertising. It can help cover legal defense and settlements or judgments, up to the policy limits.
Who Needs It
Most businesses that have premises, interact with customers or the public, or provide products or services can benefit from general liability. Many clients, landlords, and contracts require it.
What It Can Help Protect Against
Bodily injury (e.g., slip-and-fall), property damage to someone else’s property, and personal and advertising injury (e.g., libel, slander, copyright in advertising). Products-completed operations coverage addresses claims arising from your products or completed work.
Related Industries
Contractors, restaurants, retail, professional services, real estate investors, and many other business types typically carry general liability.
FAQ
What limits do I need? — Often driven by contract or landlord requirements; we can help you choose.
Is it the same as professional liability? — No. General liability covers premises/operations; professional liability (E&O) covers claims from professional advice or services.