General Liability Insurance
Protect your business from everyday risks and costly third-party claims.
What is General Liability insurance?
General liability insurance helps protect your business if you’re held responsible for injury or damage to someone else.
It’s a foundational coverage for nearly every business — whether you’re a local shop, contractor, or startup. Even if you work from home, your homeowner’s or renter’s policy typically won’t cover business activities, making this policy a must-have.
Do I need General Liability insurance?
Most businesses do. You may be required to carry this coverage if:
It’s required by your landlord or lease agreement.
It’s requested by clients or contractors as part of a contract.
You want protection from lawsuits that could arise from accidents, advertising, or customer injury.
Even if it’s not required, general liability coverage offers peace of mind that one mishap won’t derail your business.
What does it cover?
General liability insurance helps protect your business from third-party claims, such as:
Bodily injury (e.g., a customer slips at your business)
Property damage (e.g., you accidentally damage a client’s property)
Personal or advertising injury (e.g., libel or copyright infringement)
Medical payments (limited coverage for injuries on your premises)
It can also help pay for your legal defense costs and settlements if you’re sued.
What’s not covered?
General liability insurance doesn’t cover everything. It typically won’t pay for:
Damage to your own business property
Employee injuries or workers’ compensation claims
Professional errors or negligence
Intentional acts or wrongdoing
To protect against these risks, you may need additional coverages like Workers’ Compensation, Professional Liability (E&O), or a Business Owner’s Policy (BOP).