General Liability
Insurance
Protects your business when a customer gets injured on your property, you damage a client's belongings, or someone sues you over your advertising. The foundational coverage every business needs.
What GL covers
- Bodily injury to customers, clients, or third parties
- Property damage you cause to someone else's property
- Personal and advertising injury (libel, slander, copyright)
- Medical payments for minor third-party injuries
- Legal defense costs even if the lawsuit is groundless
- Completed operations (after a project is finished)
What GL does NOT cover
- ✕Your own employees' injuries (workers compensation covers that)
- ✕Your own property or equipment damage
- ✕Professional errors or bad advice (professional liability)
- ✕Auto accidents (commercial auto policy)
- ✕Intentional acts
Standard coverage limits
Most clients require one of these standard limit structures.
For very low-risk, home-based businesses with minimal client interaction.
Required by most clients, GCs, and landlords. Covers most small business needs.
For higher-risk contractors, larger clients, and government work.
Common GL questions
How much general liability do I need?
Most clients and landlords require $1M per occurrence / $2M aggregate. Higher-risk contractors often carry $2M/$4M. We'll match your limits to your contract requirements.
What does GL cost per month?
Most small businesses pay $40–$125/month ($500–$1,500/year). Contractors typically pay more due to higher risk: $150–$600/month depending on work type and payroll.
Do I need GL if I work from home?
Yes — your homeowner's policy excludes business activities. GL covers client injuries, property damage you cause, and advertising claims regardless of where you work.
Can I add additional insureds?
Absolutely. We add additional insureds same-day — most contractors need this for every job site and general contractor relationship.