Liability Coverage Built For Your Business
core Coverages
General liability insurance helps cover costs if your business is held responsible for property damage or bodily injury. It’s essential coverage for companies of every size and industry.
From slip-and-fall accidents to third-party lawsuits, we help you understand your risks and build a policy that fits your business—without overcomplicating the process.
Protection For Everyday Business Risks
Bodily Injury & Medical Costs
Bodily Injury & Medical Costs
If someone is injured at your place of business or due to your operations, general liability insurance can help cover their medical bills and protect you from costly lawsuits.
- Covers injuries to third parties
- Applies to customers, vendors, and visitors
- Includes on-premises & off-site incidents
- Helps cover hospital and treatment bills
- Includes legal fees, if needed
Property Damage Coverage
Property Damage Coverage
If your business accidentally damages someone else’s property, this coverage can help pay for repair or replacement costs—whether on a job site or in your office.
- Covers damage to client property
- Applies during job-related activities
- Important for contractors & service pros
- Helps avoid out-of-pocket repair costs
- Can include legal defense costs
Legal Fees & Settlements
Legal Fees & Settlements
In the event of a lawsuit, general liability helps cover your legal defense costs, settlements, and judgments. It keeps your business financially stable through unexpected claims.
- Covers attorney and court fees
- Includes settlements and judgments
- Protects your business reputation
- Helps reduce financial strain
- Included in most standard policies
FREQUENTLY ASKED QUESTIONS
General Liability
Get clear answers to common questions about what general liability covers and who needs it.
What does general liability insurance cover?
It covers claims related to third-party bodily injury, property damage, and legal defense costs. It’s the backbone of business protection and often required for leases, contracts, and licenses.
Is this coverage required by law?
General liability isn’t legally required in most states, but many landlords, vendors, and clients will require proof of coverage before working with your business.
What types of businesses need general liability insurance?
Almost all businesses can benefit—especially those with a physical location, client interaction, or job site work. Contractors, retailers, and service professionals often need it the most.
How much general liability coverage do I need?
It depends on your business size, industry, and risk exposure. We’ll help you assess what’s typical for your field and customize limits that match your operations.
Does general liability cover employee injuries?
No—employee injuries are typically covered by workers’ compensation insurance. General liability applies to third parties only, like customers, visitors, or vendors.