The Risks Behind Every Handshake
Every deal, every client visit, every day of operating carries some exposure. We cover the injury, property damage, and liability claims that come with doing business.
General liability responds when your business is held responsible for bodily injury or property damage to someone outside the company, along with certain advertising and reputation claims. It is the broad first line most operations are expected to carry.
In plain terms
General liability insurance shields a business from the financial fallout of everyday mishaps, covering claims of bodily injury, property damage, or advertising injury caused by its operations, products, or premises.
The parts of the policy, named plainly.
Each line below does a specific job. We make sure you can point to any one of them and say what it's for.
Bodily injury
Responds when a non employee is hurt in connection with your business.
Property damage
Covers damage your operations cause to property that belongs to others.
Personal and advertising injury
Addresses certain claims such as libel, slander, and advertising disputes.
Defense costs
Helps with the cost of defending a covered claim, even one that is groundless.
The questions worth sitting with.
A few honest considerations, and the situations this coverage tends to fit. We talk through both before anything's decided.
Considerations
- The kind of work you do and where it happens
- Whether clients or contracts require proof of coverage
- Appropriate occurrence and aggregate limits
- How general liability fits with your other business lines
A good fit for
- Storefronts and offices that welcome visitors
- Contractors and service businesses working on client property
- Any business asked to show a certificate of insurance
The things businesses ask us most.
Is general liability required?
It is rarely required by law, but landlords, clients, and contracts frequently expect it. We help you match the limits to what your agreements actually ask for.
What does general liability not cover?
It is not professional advice coverage, it is not for your own property, and it is not for employee injuries. We explain the boundaries in plain English and fill the gaps with the right companion lines.
Other pages in the business ledger.
Most plans are a combination of lines. Here is the rest of the business chapter to read alongside this one.