General Liability Insurance for Your Business

Business Insurance for General Liability

General Liability Insurance is your business's first line of defense against common risks. It covers claims from customers, vendors, or visitors who suffer injuries or property damage because of your business operations. Whether you run a retail shop, offer services, or operate from a commercial space, this coverage protects you from potentially devastating lawsuits and medical claims.

Why Your Business Needs This

• A customer slips and falls in your business location, resulting in medical expenses and potential legal action
• Your employee accidentally damages a client's property while performing services
• Someone claims your advertising injured their reputation or violated copyright
• A vendor trips over equipment at your facility and seeks compensation
• Legal defense costs from lawsuits, even if the claims are groundless

What It Covers

General Liability Insurance typically covers bodily injury to third parties, including medical expenses and legal fees. It protects against property damage you or your employees cause to someone else's property. The policy covers personal and advertising injury, such as libel, slander, and copyright infringement. You'll also get coverage for legal defense costs, which can add up quickly even when you're not at fault. Many commercial leases and client contracts require you to carry this insurance before you can do business.

Who Should Carry General Liability Insurance?

Nearly every business benefits from General Liability coverage. If you have a physical location where customers visit, you're exposed to slip-and-fall risks. Service businesses that work at client locations need protection from accidental damage claims. Even home-based businesses should consider this coverage if clients visit your premises or you conduct business outside your home. Landlords often require proof of General Liability before signing a commercial lease.

What's Not Covered?

General Liability doesn't cover professional mistakes or errors in your work—that requires Professional Liability Insurance. It won't cover your employees' injuries, which fall under Workers' Compensation. Damage to your own business property needs Commercial Property Insurance. Auto accidents require Commercial Auto coverage. Cyber incidents like data breaches need Cyber Liability Insurance. Understanding these gaps helps you build complete protection.

How Much Coverage Do You Need?

Most businesses start with standard limits, but your specific needs depend on several factors. Consider your industry's risk level—a construction company faces different exposures than a consulting firm. Client contracts often specify minimum coverage amounts you must carry. Your business size, revenue, and number of locations also influence how much protection you need. The good news is that General Liability is relatively affordable for most businesses, making adequate coverage accessible.