What is General Liability Insurance?

General liability insurance is foundational coverage that protects your business when someone outside your organization claims you caused them harm. This includes bodily injury to customers or visitors, damage to others’ property, and personal injury claims like libel or slander.

Almost every business needs general liability coverage. Landlords require it. Clients expect it. And without it, a single accident could threaten everything you’ve built.

What Does General Liability Cover?

General liability typically covers three main areas: bodily injury (a customer slips in your store), property damage (your employee damages a client’s equipment), and personal/advertising injury (you’re accused of copying a competitor’s ad). The policy pays for legal defense and settlements up to your coverage limits.

How Much Coverage Do You Need?

Most small businesses start with $1 million per occurrence and $2 million aggregate. As you grow, your exposure grows too. Revenue increases, more customers visit, more contracts require higher limits. Your coverage should scale with your business.