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General Liability Insurance

Protection for everyday business liability risks.

General liability is the foundation of most business insurance programs. It can help pay for covered claims that your business caused bodily injury or property damage to someone else, plus certain advertising and personal-injury claims, including the cost of a legal defense.

What it can help cover

  • Customer or visitor injuries at your business
  • Damage you accidentally cause to someone else’s property
  • Certain advertising and personal-injury claims

What it typically doesn’t cover

  • Injuries to your own employees (see Workers’ Compensation)
  • Damage to your own building or equipment (see Commercial Property)
  • Mistakes in professional advice or services (see Professional Liability)

Every policy is different. Your actual coverage depends on the policy terms, limits and exclusions.

FAQ

About general liability

Do I need general liability if I work from home?

Possibly. Homeowners policies often exclude business activity, and many clients, landlords and venues require proof of general liability before you can work with them.

What is a certificate of insurance?

It is a one-page summary that proves you carry coverage. Clients and landlords often request one, sometimes naming them as an additional insured.

Related

Coverage often paired with it

Workers’ Compensation

Coverage designed to protect employees and businesses when work-related injuries occur.

  • Medical care for covered work-related injuries or illnesses
  • A portion of lost wages while an employee recovers
  • Employer’s liability if you are sued over a workplace injury

ExampleA kitchen employee burns their hand during a shift. Workers’ compensation can help pay for treatment and part of their wages while they heal.

Business Owners Policy

A convenient combination of business property and liability protection for eligible businesses.

  • General liability for everyday claims
  • Commercial property for your space, equipment and inventory
  • Business income if a covered loss forces you to pause

ExampleA pipe bursts and floods your shop. A BOP can help repair the space, replace damaged inventory and replace lost income while you are closed.

Professional Liability

Protection related to certain claims involving professional services, mistakes, or omissions.

  • Claims that your advice or service caused a client financial loss
  • Allegations of errors, omissions or negligence
  • Legal defense costs, even if the claim has no merit

ExampleA client says your consulting recommendation cost them a contract and files a claim. Professional liability can help with your defense and covered damages.

Get a general liability quote.

Tell us about your business and we’ll help you explore options and limits that fit.