The base layer of protection for almost every business: covers third-party injury, property damage, and advertising claims that could otherwise come straight out of your pocket.
Get a quote for General LiabilityVirtually every business that has a physical location, interacts with customers or vendors in person, or could plausibly be blamed for someone else's injury or property damage. If you have a storefront, do work on other people's property, or have people walking through your space, this is the coverage you build everything else on top of.
A customer slipped near an unmarked spill. Medical bills turned into a lawsuit for lost wages and pain and suffering, and the business had no liability policy to answer it.
Read the full story →It depends on your industry, foot traffic, and contract requirements; many landlords and client contracts specify a minimum, commonly $1,000,000 per occurrence / $2,000,000 aggregate. We'll help you figure out the right number for your situation rather than guess.
No, that's what Workers' Compensation is for. General Liability responds to claims from people outside your business, not your own employees.
An occurrence policy covers incidents that happened while the policy was active, even if the claim is filed later. A claims-made policy only covers claims filed while the policy is active. Most General Liability policies are written on an occurrence basis, which is usually the safer option.
