General Liability Insurance
Accidents happen. General liability insurance helps protect your business from costly third-party claims, including injuries, property damage, and certain advertising or personal injury claims. One policy, broad protection, fewer surprises.
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General Liability Insurance
What is General Liability Insurance?
General liability insurance (GLI) helps cover claims from third parties who allege bodily injury, property damage, or personal and advertising injury caused by your business operations. GLI is a core coverage for most companies and is commonly bundled with commercial property and business interruption in a Business Owners Policy.
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What is General Liability Insurance?
What does general liability insurance cover?
Coverage details vary by carrier and state, but GLI typically helps with legal defense, settlements, judgments, and eligible medical or repair costs after a covered incident.
BODILY INJURY
If a visitor is hurt at your location or due to your operations, GLI can help pay medical expenses and your legal costs, including settlements or judgments.
ADVERTISING INJURY
GLI can help with claims of libel, slander, or certain copyright or slogan use issues. Policies may include exclusions, especially for media-heavy businesses. If you publish or produce content at scale, consider dedicated media liability coverage.
PROPERTY DAMAGE
If you or someone working on your behalf damages a customer’s property, GLI can help pay to repair or replace it and cover associated legal costs. Many businesses also require subcontractors to carry their own GLI and list you as an additional insured.
PRODUCT LIABILITY
Products and completed operations coverage within GLI can respond if your product causes bodily injury or property damage. Higher-risk manufacturers may need separate product liability limits or a stand-alone policy.
What’s not covered?
General liability only covers claims from third parties, like customers and contractors. Employee injury claims are covered by workers’ comp insurance, not GLI. GLI also only covers damage to third parties’ property, not your own. If a customer slips and falls in your store and breaks a shelf on the way down, GLI will cover the cost of the customer’s injuries and damages. The company’s property isn’t covered under GLI, but businesses can protect their physical assets with a separate commercial property insurance policy.
Who is general liability insurance for?
JUST ABOUT EVERYONE
From startups to established companies, GLI is a practical safety net for everyday risks that could otherwise threaten cash flow and growth.
JUST ABOUT EVERYONE
From startups to established companies, GLI is a practical safety net for everyday risks that could otherwise threaten cash flow and growth.
PHYSICAL STOREFRONTS
If customers visit your location, GLI helps protect against slip-and-fall claims and other on-premises incidents.
PHYSICAL STOREFRONTS
If customers visit your location, GLI helps protect against slip-and-fall claims and other on-premises incidents.
ON-SITE CONSULTANTS
Working at a client site increases the chance of accidental damage. GLI can help cover third-party property damage and related legal costs.
ON-SITE CONSULTANTS
Working at a client site increases the chance of accidental damage. GLI can help cover third-party property damage and related legal costs.
CONTRACTORS
Project work often involves subcontractors and changing job sites. GLI helps protect your business from third-party injury or damage claims. Require subs to carry GLI and add you as additional insured.
CONTRACTORS
Project work often involves subcontractors and changing job sites. GLI helps protect your business from third-party injury or damage claims. Require subs to carry GLI and add you as additional insured.
Frequently Asked Questions
Every business should consider general liability insurance, although it’s not legally required like workers’ comp. However, GLI may be mandatory for certain contracts or when obtaining specific licenses and permits.
The right coverage amount for any company is determined based on a number of factors, like company size and industry. This is one of the things PolicyApe will help you calculate. The standard general liability policy for most small businesses is a $1 million per claim limit and a $2 million policy limit.
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