Commercial Insurance

General Liability Insurance for Businesses

General liability (GL) is the foundational commercial insurance every business needs — covering third-party bodily injury, property damage, and personal/advertising injury claims. Most landlords, customers, and contracts require it.

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What General Liability Insurance Covers

General liability covers third-party claims when your business or its employees cause bodily injury, damage someone else's property, or commit certain personal/advertising injuries (libel, slander, copyright issues in your marketing). It does NOT cover injuries to your own employees — that's what workers' comp is for.

Who Typically Needs General Liability

Any business that interacts with customers, vendors, or the public
Tenants whose lease requires GL coverage with the landlord as additional insured
Contractors required to carry minimum GL limits by their clients
Service providers whose work could damage client property

What We Offer

Multi-carrier shopping across A-rated GL markets
Per-occurrence and aggregate limits matched to your contract requirements
Additional-insured endorsements for landlords, GCs, and clients
Combined GL+WC quotes for streamlined renewal management
Industry-specific class-code accuracy (construction, hospitality, professional services)

Frequently Asked Questions

What's the difference between general liability and workers' comp?

General liability covers injuries and damage to OUTSIDE PARTIES (customers, the public, other businesses). Workers' comp covers injuries to YOUR EMPLOYEES on the job. Most businesses need both — GL for third-party exposure, WC for employee exposure. We frequently bundle them through the same carrier for combined-policy savings.

What does general liability typically cost?

GL premiums vary by industry, state, and revenue. A small office-based business might pay $400-$700/year for $1M/$2M limits. A construction contractor with the same limits might pay $3,000-$10,000+. Risk class, payroll, and prior claims drive most of the variance. Get a quote with your specifics for an accurate range.

Will my landlord or customer accept my certificate of insurance?

Almost always — once we know what their addendum requires (limits, additional insured language, waiver of subrogation, primary-and-noncontributory wording), we structure the policy and certificate to match. We've handled thousands of compliance-required certificates.

Can I get GL and workers' comp on one policy?

Most carriers offer Business Owner's Policies (BOPs) that bundle GL with property and sometimes other lines. Workers' comp is typically a separate policy due to state regulation, but the same carrier (and broker) can manage both. Ask about a multi-line discount when you quote.