General liability
General liability is the foundation of nearly every business insurance program. It protects you when a customer, vendor or visitor claims your business caused them harm.
Lawsuits are expensive even when you've done nothing wrong. General liability pays for your legal defense and covered settlements, and it's required by most leases and contracts.
What's covered
Bodily injury
Covers injuries to customers and visitors at your location or caused by your operations.
Property damage
Covers damage you cause to someone else's property.
Personal & advertising injury
Protects against claims like libel, slander and copyright infringement in advertising.
Products & completed operations
Covers claims arising from products you sell or work you've finished.
Medical payments
Pays minor medical bills for injured visitors regardless of fault, helping avoid lawsuits.
Legal defense
Pays attorney fees and court costs, typically in addition to your limits.
Who it's for
- Retailers
- Service businesses
- Contractors
- Professional firms
- Manufacturers
- Landlords
Professional firms we insure
Professional firms pair general liability with professional liability (errors and omissions) coverage.
Attorneys
Legal malpractice coverage alongside general liability, office property and cyber liability to protect client information.
Accountants
Professional liability for financial and tax preparation errors, plus general liability, property and cyber liability.
Architects & engineers
Professional liability for errors and omissions, plus office property, general liability and business interruption.
Consultants
Errors and omissions protection against claims of inadequate advice, with general liability, property and cyber coverage.
Common questions
What's the difference between general and professional liability?
General liability covers physical injuries and property damage. Professional liability covers financial harm from mistakes in your professional advice or services.
Can I bundle general liability with property?
Yes. Many small businesses qualify for a business owner's policy, which combines both at a lower cost.
How fast can I get proof of coverage?
We can usually issue a certificate of insurance the same day your policy is bound.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.