General Liability
The foundation of most business programs: bodily injury, property damage, and personal injury claims.
Built for the way you actually operate.
Nearly every business that interacts with customers, visits job sites, or signs leases and contracts — GL is usually the first policy a landlord, client, or general contractor asks to see.
Real scenarios, in plain terms.
Customer injury on your premises
A slip-and-fall in your lobby or shop is the classic GL claim. The policy responds to bodily injury you're legally responsible for, including defense costs.
Damage to someone else's property
Your crew damages a client's flooring or a neighboring unit. GL addresses property damage you cause in the course of your work.
Contractual requirements
Many contracts require specific limits, additional insured status, and waivers of subrogation. We review what you're being asked to sign up for before you commit.
Considerations & limitations.
Every policy has terms, conditions, and exclusions. These are the points we walk through before you decide — availability and eligibility vary by carrier.
- Per-occurrence and aggregate limits both matter — a $1M/$2M structure is common but not universal.
- Professional services are usually excluded; that's what professional liability is for.
- Additional insured and primary/non-contributory endorsements change how claims are shared.
- Completed operations coverage matters for contractors long after the job ends.
- GL does not cover your employees' injuries — that's workers' compensation territory.
Frequently asked.
How much general liability do I need?
It depends on your contracts, your foot traffic, and your exposure. Many small businesses start at $1M per occurrence; contracts or larger operations often require more, sometimes backed by an umbrella.
Does GL cover my work product?
Generally no — damage to your own work is typically excluded, though resulting damage to other property may be covered. The details matter, which is why we read the policy, not just the quote.
What's the difference between GL and professional liability?
GL covers bodily injury and property damage. Professional liability covers financial harm caused by your advice or services. Many businesses need both.
Ready to talk it through?
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.