Whether a customer trips in your shop, a subcontractor damages a client's property, or an ad campaign draws a complaint, general liability keeps your business standing. We shop it across A+ rated carriers so you get the coverage you need without paying for what you don't.
Who needs a GL policy?
Almost every business — from contractors and landscapers to restaurants, retail shops, salons, gyms, offices, and home-based businesses. Most landlords, commercial leases, and clients will ask for a Certificate of Insurance (COI) before you can start work, and general liability is the base policy that COI is built on.
What it typically covers
A standard GL policy responds to third-party claims for bodily injury and property damage caused by your business operations, plus personal and advertising injury (things like copyright, libel, or slander in your marketing). It also includes limited "medical payments" coverage that pays for minor customer injuries on a no-fault basis — a small but useful goodwill tool that helps keep small mishaps from turning into lawsuits.
How we help
We ask about your operations, revenue, subcontractors, and the contracts you sign, then match your risk profile against the carriers who write your class of business best. Need a COI in the next hour to close a job? Call the office and we'll usually have it issued the same day.
- Bodily injury to third parties
- Property damage you cause to others
- Personal & advertising injury
- Medical payments (no-fault)
- Products & completed-operations
- Certificates of insurance issued fast