General liability insurance provides protection that keeps up with your industry.

Get coverage for the uncertainties in business with general liability insurance.

Lawsuits against your business due to bodily injury or property damage can result in significant financial damages as a result of legal fees, medical bills, and other costs. General liability insurance, also known as business liability insurance, protects your business against these types of lawsuits by helping to pay for the associated expenses. This is a must-have policy for any company. 

  What Does General Liability Insurance Cover? 

General liability insurance can cover legal expenses and medical bills, up to your coverage limit, when your business is sued or held liable for incidents such as: 

• Bodily injury 
• Property damage 
• Personal or advertising injury 

General liability policies do not typically cover business-related auto accidents, employee injuries, or intentional acts. General liability policies are only designed to protect your business against accidents that occur as a result of normal business operations. 

  Business Liability Insurance Endorsements 

Commercial liability insurance protects against common accidents, but to achieve more comprehensive coverage, you may add certain optional endorsements depending on your needs. 

Optional endorsements may include: 

• Hired and non-owned liability 
• Fire legal liability 
• Liquor liability 
• Commercial umbrella insurance 
• And more 

Business owners may also benefit from purchasing other policies, including commercial auto insurance and business property insurance, to protect their businesses against costly accidents. 

Business Liability Insurance FAQs 

If you still have questions about what your business liability insurance covers, here are our answers to some of the most common questions we get regarding these types of policies: 

Do all businesses need liability insurance? 

Any business that owns commercial property, has employees, or regularly deals with customers in-person can benefit from general liability insurance. Even a small accident can result in major financial damages, so it’s always important to be prepared for the unexpected. 

How much does business liability insurance cost? 

Rates depend on a variety of factors, including: 

• Business property size 
• Number of employees 
• Type of business 
• Industry-specific risk factors 
• Existing insurance policies 
• Claims history 

These factors, among others, may impact your monthly premiums. Your insurance agent will work with you to help you understand how your rate was calculated and how you might be able to reduce it. 

What is commercial umbrella insurance? 

Commercial umbrella insurance provides supplemental coverage to help pay for expenses that exceed your business liability insurance coverage limits. 

What is a Business Owners Policy? 

A Business Owners Policy (BOP) bundles general liability insurance with commercial property insurance to offer more comprehensive protection for small and medium-sized businesses. 

General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.