General Liability Insurance

Essential protection against third‑party claims for bodily injury, property damage, and personal & advertising injury.

What is General Liability (GL) for?

GL protects your business when a third party (customer, visitor, landlord, etc.) alleges damage caused by your day‑to‑day operations. It’s often required to sign a lease, access job sites, or work with enterprise clients.

What GL covers

Third‑party bodily injury (e.g., a customer slips and falls at your premises)
Third‑party property damage
Personal and advertising injury (libel, slander, unauthorized use of slogan/visual)
Defense costs and settlements/judgments, up to your policy limits

What GL does not cover

Your own property (buildings, equipment, inventory) → see Commercial Property
Employee injuries → see Workers’ Compensation
Professional mistakes (advice, design, code) → see E&O/Professional Liability
Commercial auto accidents → see Commercial Auto

Who needs it?

Construction, maintenance, on‑site services
Retail, restaurants, any public‑facing locations
Logistics, warehousing, installation
Startups and professional services with contractual requirements

Cost factors (at a glance)

Industry and exposure (work at heights, products handled)
Size (revenue, headcount, geographies)
Loss history and required limits in contracts
Deductible choice, additional options (products, completed ops)

Quick tip

If contracts require a Certificate of Insurance (COI) with specific limits, confirm them before binding to avoid endorsements and extra costs.

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Frequently Asked Questions

Common questions about our service and process. Don't see your question? Contact us directly.

Still have questions? Contact us at hello@insurial.info