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Essential protection against third-party claims for bodily injury, property damage, and personal injury. Safeguard your business from unexpected lawsuits and claims across 15 states.
General liability insurance protects your business from financial losses due to third-party claims of bodily injury, property damage, and personal and advertising injury. It's fundamental coverage that every business needs.
Did you know? The average general liability claim costs over $15,000, but can reach into the millions for serious incidents.
These examples show how general liability insurance protects businesses from unexpected claims and lawsuits.
A customer slips on a wet floor in your store and breaks their wrist, requiring surgery and physical therapy.
Potential Cost: $25,000 - $75,000 in medical bills and lost wages
Your employee accidentally damages a client's expensive equipment while performing services at their location.
Potential Cost: $10,000 - $100,000+ depending on equipment value
A product you manufactured or sold causes injury to a customer, leading to medical bills and a lawsuit.
Potential Cost: $50,000 - $1,000,000+ for serious injuries
A competitor claims your advertising campaign uses their copyrighted material or makes false statements about their business.
Potential Cost: $15,000 - $250,000 in legal fees and damages
A construction project you completed six months ago develops structural problems, causing property damage to the building.
Potential Cost: $100,000 - $500,000+ for major structural repairs
A customer claims your business violated their privacy or made defamatory statements that damaged their reputation.
Potential Cost: $20,000 - $200,000 in legal defense and damages
Choose the right coverage limits and options to protect your business from potential liabilities.
Most common for small to medium businesses
Higher limits for increased protection
Tailored to your specific business needs
Pays medical expenses regardless of fault ($5,000 - $10,000 typical)
Coverage for fire damage to rented premises ($50,000 - $100,000)
Extends coverage to landlords, clients, or other parties as required
Prevents insurer from seeking recovery from specified parties
Makes your policy primary when additional insured is involved
Automatically covers parties required by written contract
Different industries face different liability risks. Understanding your industry's specific exposures helps ensure proper coverage.
High customer traffic creates slip and fall risks
Food safety and premises liability concerns
Office-based businesses with client interactions
High-risk operations with significant exposures
Patient safety and premises liability concerns
Product liability and visitor safety risks
Our expertise in general liability insurance helps protect your business from unexpected claims and lawsuits across 15 states.
We understand the specific liability risks your industry faces and help ensure proper coverage.
We shop multiple carriers to find you the best rates and coverage options for your business.
Dedicated claims support to protect your interests and minimize the impact on your business.
Get a competitive general liability insurance quote today. Our experts will help you find the right coverage to protect your business from third-party claims and lawsuits across all our licensed states.