General Liability Insurance

What is General Liability Insurance?

General Liability Insurance (GLI) is a fundamental business insurance policy that protects your company from financial losses due to third-party claims of bodily injury, property damage, and personal or advertising injury.

Whether you run a small retail shop, a consulting firm, or a construction company, general liability insurance provides essential protection against common business risks that could otherwise result in devastating financial consequences.

This coverage is often required by clients, landlords, and business partners before they'll work with you, making it a critical component of your business operations.

Bodily Injury Coverage

Protects your business when someone is injured on your premises or due to your business operations.

Property Damage Coverage

Covers damage to someone else's property caused by your business operations or employees.

Medical Payments

Pays for immediate medical expenses for injured parties, regardless of fault.

Advertising Injury

Protects against claims of copyright infringement, slander, or libel in your advertising.

Legal Defense

Covers attorney fees, court costs, and settlements for covered liability claims.

Personal Injury

Covers claims of false arrest, wrongful eviction, defamation, and invasion of privacy.

Retail Businesses

Stores, shops, and e-commerce businesses

Restaurants and Cafes

Food service and hospitality businesses

Contractors

Construction and trade professionals

Consultants

Professional service providers

Salons and Spas

Beauty and wellness services

Fitness Centers

Gyms and training facilities

Photographers

Creative and media professionals

Property Managers

Real estate and property services

Slip and Fall

A customer slips on a wet floor in your retail store and breaks their wrist.

Covered: Medical bills, legal fees, and settlement costs

Property Damage

Your employee accidentally damages a client's expensive equipment while providing services.

Covered: Repair or replacement costs and legal defense

Advertising Injury

A competitor claims your marketing materials infringe on their copyright.

Covered: Legal defense costs and potential settlements

How much does general liability insurance cost?

What's the difference between general liability and professional liability?

How much coverage do I need?

Is general liability insurance required by law?