What does general liability insurance cover?

This policy covers third-party bodily injuries, property damage & legal expenses . If someone is hurt at your business or you damage someone else’s property while working, your insurance helps pay for medical costs, repairs & legal defense , protecting your finances and reputation.

Does general liability cover employees?

No, employee injuries are not covered under general liability insurance. For that, you’ll need workers’ compensation coverage , which is required in most states if you have employees.

What businesses need general liability insurance?

Almost all businesses benefit from it—especially retailers, contractors, consultants, and service-based businesses . If your business interacts with clients or the public, this policy provides crucial protection against unexpected claims.

How much coverage do I need?

Most small businesses carry at least $1 million per occurrence , but your specific risk factors—such as location, size, and industry—will determine the right limits. We’ll help you find a policy that matches your business profile and contract requirements.

What’s not covered under this policy?

General liability doesn’t cover employee injuries, professional errors, or damage to your own property . You’ll want to consider commercial property insurance or professional liability depending on your business type.

General Liability Insurance

Protect Your Business from Costly Claims

Accidents happen—whether it's a customer slipping in your store or property damage at a job site. General liability insurance covers your business against lawsuits, medical bills & property damage claims. This essential protection gives you the confidence to operate, knowing that unexpected events won’t derail your success.

It covers third-party injuries & damages, helping avoid lawsuits that can cripple your business.

Many landlords, vendors & clients require proof of general liability coverage before doing business with you.

This policy covers legal defense costs, even if the claim against you is groundless.

Whether you run a storefront, office, or contracting business, liability protection is a smart investment.

Why General Liability Insurance Is Essential

General liability insurance covers your business from claims related to bodily injury, property damage & advertising injury. If a customer is injured on your premises, or your employee accidentally damages a client’s property, this policy helps cover legal costs & damages.

Get a Quote

It’s a foundational policy for businesses of all sizes—and often a requirement for leases, contracts & vendor agreements. It can be paired with other coverages like property insurance or commercial auto to build a complete protection plan.

While it doesn’t cover employee injuries (that’s what workers’ comp is for), general liability insurance is crucial for protecting your reputation & your bottom line in the face of third-party claims.

40%

40% of small businesses are likely to face a general liability claim

Source: Small Business Administration

$20,000

The average slip-and-fall claim costs businesses over $20,000

Source: Insurance Journal

30%

Over 30% of small business claims involve property damage or customer injury

Source: The Hartford

Frequently Asked Questions

Your Questions About General Liability Insurance

Understanding general liability coverage can help you protect your business from serious financial loss.

What does general liability insurance cover?
This policy covers third-party bodily injuries, property damage & legal expenses. If someone is hurt at your business or you damage someone else’s property while working, your insurance helps pay for medical costs, repairs & legal defense, protecting your finances and reputation.
Does general liability cover employees?
No, employee injuries are not covered under general liability insurance. For that, you’ll need workers’ compensation coverage, which is required in most states if you have employees.
What businesses need general liability insurance?
Almost all businesses benefit from it—especially retailers, contractors, consultants, and service-based businesses. If your business interacts with clients or the public, this policy provides crucial protection against unexpected claims.
How much coverage do I need?
Most small businesses carry at least $1 million per occurrence, but your specific risk factors—such as location, size, and industry—will determine the right limits. We’ll help you find a policy that matches your business profile and contract requirements.
What’s not covered under this policy?
General liability doesn’t cover employee injuries, professional errors, or damage to your own property. You’ll want to consider commercial property insurance or professional liability depending on your business type.