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 bodily injury, property damage, or certain personal or advertising claims involving third parties.
It’s a foundational coverage for most businesses—whether you operate a storefront, work on job sites, meet clients in person, or run a small operation from home. In most cases, homeowners or renters insurance does not cover business-related activities, making general liability an essential part of your protection.
What does general liability insurance cover?
General liability insurance helps protect your business from common third-party claims, including:
Bodily Injury — For example, a customer slips and falls at your business
Property Damage — If you accidentally damage a client’s property
Personal or Advertising Injury — Such as libel, slander, or copyright infringement
Medical Payments — Limited coverage for injuries that occur on your premises
In addition, general liability coverage typically helps pay for legal defense costs, settlements, or judgments, even if a claim is ultimately found to be without merit.
Do I need general liability insurance?
Most businesses do. You may be required to carry general liability 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 related to accidents, customer injuries, or advertising claims
For many businesses, this is the first policy purchased—and often the one most frequently requested.
What’s not covered?
General liability insurance doesn’t cover every type of business risk. It typically does not pay for:
Damage to your own business property
Employee injuries or workers’ compensation claims
Professional errors, advice, or negligence
Intentional acts or wrongdoing
Depending on your business, you may need additional coverage such as Workers’ Compensation, Professional Liability (E&O), or a Business Owner’s Policy (BOP) to fully protect your operations.