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Commercial General Liability Insurance

Commercial General liability insurance (also known as business liability insurance) is an essential part of an insurance plan.

It helps protect your business from claims that it caused:

Bodily injury to someone else
Property damage to another person’s belongings
Personal injuries, like libel or slander

Without general liability coverage, you’d have to pay for medical expenses and property damages out of pocket.

GLI is available as a standalone policy or bundled with other key coverages with a Business Owner’s Policy (BOP). We are here to help you understand what insurance coverages your business may need.

Examples of how general liability insurance can help your business:

Third-Party Bodily Injury
If a customer injures themselves slipping and falling in your store, they can sue your business. Your insurance policy can help pay for their medical bills.
Third-Party Property Damage
Employees damaging a client’s property while working on their premises can create a risk for your business. Your insurance policy can help cover repair or replacement costs for the damaged property.
Reputational Harm
Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend against malicious prosecution, slander, libel, wrongful eviction and violating a person’s privacy.
Advertising Injury
Your insurance policy can cover your business if get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.
Damage to Premises Rented to You
If your rented property is damaged by fire, lightning, or an explosion, your general liability policy can help pay for repairs.

Be aware that general liability insurance doesn’t cover every kind of claim. For example, it doesn’t help your business with claims of:

Workers’ Compensation Insurance can help cover work-related injuries or illnesses sustained by employees, it can help pay for their medical expenses and ongoing care costs.
Commercial Property Insurance can cover damage to your own business property.
Professional Liability Insurance can help cover mistakes made in your business’ professional services.

FAQs

Is Commercial General Liability Insurance required by law?

Generally General Liability Insurance is not required by law, but every States laws are different. You should verify the applicable laws regarding your state.

Additionally, depending on your type of business, you may need General Liability Insurance before you can work with other businesses. Some companies may ask you to provide proof of insurance, also known as a certificate of insurance (COI).

What coverage is right for your business?

Every business is unique, and each type of business can benefit from having general liability coverage. Our agents can work with you to customize your policy ensuring you get the coverage right for your business.

What are the types of Liability Insurance?

In addition to GLI, there are other types of liability insurance you can get.

Commercial umbrella insurance provides additional limits on top of some of your existing liability policies to help pay for expensive claims.
Commercial auto insurance helps protect you and your employees on the road if you’re driving a car for business.
Employment practices liability insurance can help cover your legal defense costs and settlements or judgments if a current or former employee sues you for employment-related harassment, discrimination, or wrongful termination.
Management liability insurance helps protect your business’ directors and officers from costly claims.

Commercial General Liability Insurance

Examples of how general liability insurance can help your business:

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