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Business coverage

General Liability Insurance

General liability covers the third-party injuries and property damage that come with doing business, and it's the coverage landlords, clients, and vendors most often demand before they'll sign a lease or a contract. Without it, one slip-and-fall or damaged customer property can turn into a lawsuit whose legal fees alone can dwarf a year of profit.

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Who this coverage is for

General liability insurance is for just about any business that interacts with customers, vendors, or the public. It is often the first coverage a business buys and is frequently required before you can sign a lease or land a client contract.

What it can help protect

General liability helps protect your business when someone claims you caused them harm or damage:

  • Bodily injury — helps cover medical costs if a customer or visitor is hurt on your premises, like a slip and fall.
  • Property damage — helps pay for damage your business accidentally causes to someone else's property.
  • Personal and advertising injury — helps with claims like libel, slander, or copying someone's ad.
  • Legal defense — helps cover attorney fees and court costs, even if the claim turns out to be groundless.
  • Contract requirements — many landlords and clients require proof of this coverage before doing business with you.
Regularly misunderstood coverages
E&O (Professional Liability) vs. General Liability

What GL won't cover — mistakes in the work itself.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on limits, deductibles, and additional insured needs, products/completed operations exposure, and whether liability should sit inside a BOP or stand alone.

Common Questions