General Liability Insurance

General liability insurance, or business liability insurance (GL), shields you from claims such as bodily injury, property damage, and personal injury, stemming from your business operations.

General liability insurance quotes typically encompass:

• Bodily injury and property damage liability
• Personal and advertising injury
• Medical payments
• Products completed operations
• Damage to premises rented to you

General liability insurance is often bundled with property insurance in a Business Owners Policy (BOP). As a contractor or small business owner, it's crucial to have business liability insurance to protect your livelihood. A single accident could lead to a lawsuit you might struggle to handle. Ensure your liability coverage matches your exposure level. Some clients may require a specific amount of general liability before hiring you. If you're a contractor, you might opt for general liability alone, not a full BOP, especially if you don't own commercial buildings or need coverage for payroll and other expenses.

Although federal law doesn't mandate general liability, not having it could mean covering all expenses tied to a business claim. For instance, if a client slips in your office and sustains injuries, without general liability insurance, you may bear all medical bills and legal fees.