General Liability Insurance
Essential protection against third-party claims for your business
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.
What Does General Liability Cover?
Comprehensive protection for the most common business liability risks
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.
Who Needs General Liability Insurance?
Nearly every business can benefit from general liability protection
Retail Businesses
Stores, shops, and e-commerce businesses
Restaurants & Cafes
Food service and hospitality businesses
Contractors
Construction and trade professionals
Consultants
Professional service providers
Salons & Spas
Beauty and wellness services
Fitness Centers
Gyms and training facilities
Photographers
Creative and media professionals
Property Managers
Real estate and property services
Real-World Claim Examples
See how general liability insurance protects businesses like yours
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
Frequently Asked Questions
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