General Liability Insurance for Business Protection

What Is General Liability Insurance?

General liability insurance covers your business when third parties claim bodily injury, property damage, or personal and advertising injury caused by your operations, products, or services. This fundamental coverage protects your business assets and reputation when accidents happen or allegations arise.

Why You Need General Liability Insurance

• Protects against costly lawsuits from customers, vendors, or visitors
• Covers legal defense costs even if claims are groundless
• Many clients and landlords require proof of coverage before doing business
• Covers medical expenses if someone gets injured on your premises
• Protects against advertising injury claims like copyright infringement
• Safeguards your business assets and financial stability

Common Scenarios Covered by General Liability

A customer slips and falls in your office, requiring medical treatment. Your employee accidentally damages a client's property while working at their location. Someone claims your advertisement copied their slogan. A vendor trips over equipment at your job site and breaks their wrist. General liability insurance responds to these situations and more.

Understanding Coverage Limits

General liability policies include per-occurrence limits and aggregate limits. The per-occurrence limit is the maximum the policy pays for a single incident. The aggregate limit is the total amount the policy pays for all claims during the policy period. Choose limits that adequately protect your business assets.

Related Coverages to Consider

General liability forms the foundation of your business insurance program. Consider adding professional liability insurance if you provide advice or services, commercial property insurance to protect your physical assets, and business auto insurance for vehicles used in operations.

Does General Liability Cover Employee Injuries?

No, general liability does not cover injuries to your employees. You need workers' compensation insurance for employee injuries and illnesses that occur during work. General liability specifically covers third-party claims from non-employees.