If your business accidentally damages someone else's property while performing work, General Liability may help cover the cost of repairing or replacing that property.

Personal & Advertising Injury

General Liability may also provide protection for certain claims involving libel, slander, copyright infringement in advertising, or advertising-related injuries, subject to the policy terms.

Legal Defense Costs

Even if a claim is unfounded, defending a lawsuit can be expensive. General Liability policies typically include legal defense for covered claims

This coverage is commonly considered by businesses such as:

• General Contractors

• Landscapers

• Roofers

• Electricians

• Plumbers

• HVAC Contractors

• Restaurants

• Retail Stores

• Cleaning Companies

• Barber Shops

Many landlords, property managers, municipalities, and commercial clients require proof of General Liability Insurance before signing a lease or awarding a contract. While requirements vary, it is commonly requested as part of doing business.

General Liability generally does not provide coverage for:

• Employee work-related injuries (typically addressed by Workers' Compensation)

• Damage to your own building or business property (Commercial Property Insurance)

• Business-owned vehicles (Commercial Auto Insurance)

• Professional errors or negligent professional advice (Professional Liability)

• Flood damage or other excluded perils, depending on the policy wording.

Example 1

A customer slips and falls inside your restaurant.

General Liability may respond to covered bodily injury claims.

Example 2

A contractor accidentally damages a client's window while installing equipment.

General Liability may help cover covered property damage claims.

Example 3

A landscaping crew accidentally damages an irrigation system while working.

General Liability may help respond to covered third-party property damage.