Protect your business from third-party claims.

General Liability insurance is one of the most fundamental protections for any business, yet many owners don't fully understand what it covers or why nearly every client, landlord, and contract requires it. Whether you're launching a new venture or growing an established business, understanding how General Liability works helps you protect your assets, meet contract requirements, and avoid personally paying for accidents that happen during normal business operations.

At its core, General Liability (GL) covers three main risks: bodily injury (when someone gets hurt because of your business), property damage (when you damage someone else's property), and personal/advertising injury (covering things like libel, slander, or copyright infringement in your marketing). If a customer slips and falls in your store, you accidentally damage a client's property during a service call, or someone claims your ad violated their copyright, GL coverage pays for legal defense and settlements. Defense costs alone can reach tens of thousands of dollars—even when you did nothing wrong and the claim is frivolous.

The key to getting the right coverage is understanding policy limits and how they work together. Most businesses carry $1 million per occurrence and $2 million aggregate coverage (often called "1M/2M limits"), which is the industry standard that most contracts require. Your per-occurrence limit is the maximum the policy pays for any single incident, while the aggregate limit is the total it will pay for all claims during your policy period. Additional insured endorsements, certificates of insurance, and proper coverage limits keep you eligible for contracts and protect your business from devastating liability claims. Ready to get covered and meet your contract requirements?