General liability
Coverage for bodily injury, property damage and personal or advertising injury claims against your business, plus the certificates of insurance landlords and general contractors ask for.
What it covers
- Bodily injury and property damage to third parties
- Products and completed operations
- Personal and advertising injury
- Medical payments
- Defense costs, typically outside the limit
Common add-ons
- Additional insured endorsements for landlords and GCs
- Waiver of subrogation
- Primary and non-contributory wording
- Hired and non-owned auto
Who it's for
Contractors, retailers, restaurants, offices, professional firms, and anyone signing a lease or contract that requires proof of coverage.
Common questions
What limits do I need?
Most leases and contracts ask for $1 million per occurrence and $2 million aggregate. We read your contract and match the limits and endorsements it requires.
How do I get a certificate of insurance?
Once the policy is in force, certificates are issued from our office. Tell us who needs to be listed and we take it from there.
Does GL cover my employees' injuries?
No. Employee injuries fall under workers' compensation. GL covers injuries to customers, visitors and other third parties.
Related coverage
Get a second look at your coverage.
Mon–Fri 10am–7pm · Sat 10am–5pm