General Liability Insurance

For business owners, the risk of being sued has increased dramatically over the past decade. General Liability Insurance helps protect your business from lawsuits that could otherwise become financial disasters.

Even if you have a personal umbrella liability policy, business-related liability is often excluded. It’s essential to ensure your business has proper coverage — including sufficient auto liability if your company vehicles are involved.

What General Liability Insurance Covers

General liability insurance protects your business from financial losses arising from real or alleged:

• Bodily Injury: Covers medical expenses, loss of services, and restitution if injury or death occurs on your premises or due to your operations.

• Property Damage: Covers physical damage to someone else’s property or loss of use of that property.

• Personal and Advertising Injury: Covers claims like libel, slander, copyright infringement, or invasion of privacy.

• Products & Completed Operations: Protects against liability from products you manufacture or services you provide.

• Contractual Liability: Extends coverage for liability assumed under contracts.

Additional coverage options may include:
Reasonable use of force, borrowed equipment, liquor liability, non-owned vehicles (aircraft, watercraft), fire/lightning/explosion, water damage liability, legal defense costs, medical payments, and specialized coverage for specific business types.

Common General Liability Questions

Do I need general liability insurance?
Yes — accidents can happen anywhere and at any time. Unexpected lawsuits can devastate a business without proper coverage. General liability insurance helps reduce the financial burden of workplace accidents and claims.

How much coverage do I need?
Most policies start around $1 million, but your business may require higher limits based on size, industry, and risk factors.

How does it work?
Policyholders pay monthly or yearly premiums. When a claim is filed and approved, the policy covers expenses related to bodily injury, property damage, or personal/advertising injury.

How much does it cost?
Premiums vary depending on location, industry, business size, claims history, deductible, and coverage limits. A typical $1 million policy can range from $300 to $1,000 per year.

Who is covered?
General liability insurance protects the business, its employees, and third parties affected by covered incidents.