General Liability Insurance

What is General Liability insurance­­­ (GL)?

General Liability is the most common and essential type of business insurance. Also referred to as Commercial General Liability or Business Liability, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Whether an accident is your fault or not, or the accusation is true or meritless, General Liability coverage may help protect your business against covered claims by paying defense costs and any damages up to your chosen policy limit.
If you have any further questions regarding General Liability insurance, feel free to click the link below for our FAQ’s.
Click here for a complete list of Frequently Asked Questions

Who needs General Liability insurance?

Frequency and severity may vary by occupation; however accidents can happen with any type of business. General Liability is there to be your backstop in case of the unexpected. Small companies may have the greatest need for General Liability as they often have less financial reserves available when something goes wrong. Sole Proprietors often believe that their homeowner’s or renter’s policy will respond for business activities, a perception that is often not true. Larger companies often get brought into claims even if they have not done anything wrong.
It is also common for customers, landlords and other interested parties to require you show them proof of General Liability coverage prior to entering into a contract with them.

Below are a few guidelines to take into consideration when deciding if General Liability is the right insurance for you:

Do you, your business or your employees:

• Visit a client’s place of work or do clients visit your work site?
• Routinely interact with outside parties?
• Use a third-party location for any business related activities?
• Sell a physical product?
• Provide physical services to others?

If you answered ‘Yes’ to any of these questions, General Liability Insurance is something that you should consider. Insurance is about protecting you and your business from real or false claims made against you, and this is especially important when your livelihood is at stake.

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