General Liability Insurance

What is general liability insurance?

General liability insurance (GLI) is foundational coverage that helps protect your business from claims that it caused bodily injury, property damage, or personal and advertising injury. Whether a customer slips on a wet floor in your store or an employee accidentally damages a client's property while working, general liability insurance can help cover the resulting medical expenses or legal fees.

Without it, your business would have to pay out of pocket for these claims, which could be financially devastating. For many businesses, general liability is the first policy they purchase, and it's often required by landlords or clients before you can sign a contract.

What does general liability insurance cover?

Who needs general liability insurance?

Almost every business needs general liability insurance. It's especially critical if you:

• Have a physical location: If customers, clients, or vendors visit your store, office, or facility.
• Work at client sites: If you or your employees perform services at a client's home or office (like contractors, cleaners, or consultants).
• Handle client property: If you have access to your clients' equipment or property.
• Use advertising: If you promote your business online, in print, or on social media.
• Need to sign contracts: Landlords and clients frequently require proof of general liability coverage.