BusinessGeneral liability
Business insurance
General liability
Pays when your business injures someone or damages their property. The certificate everyone asks you for.
In plainEnglish
General liability covers bodily injury, property damage, and personal injury claims against your business, plus the cost of defending them. Landlords, general contractors, and customers ask for proof of it before they will work with you.
Covers
- Bodily injury and property damage to others
- Products and completed operations
- Personal and advertising injury
- Legal defense
Doesn’t cover
- Your own property
- Employee injuries (workers’ compensation)
- Professional errors
- Auto accidents
Who needs it
- Contractors and trades
- Retailers, restaurants, and anyone with foot traffic
- Businesses signing contracts that require it
When itcomes up
Situations & professions
Where general liability shows up in real life.
Nextstep
Ready to see general liability options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.