General liability insurance is the foundation of most business insurance programs. It covers claims that your business caused bodily injury or property damage to someone else, which are among the most common and expensive claims a small business faces.
Typical examples include a customer who slips and falls at your location, damage you accidentally cause to a client's property while working, and certain advertising injury claims. The policy generally pays for legal defense as well as settlements or judgments up to your limits.
Almost any business that interacts with customers, works at client sites, or leases space benefits from general liability. Landlords, clients, and event venues frequently require proof of it before you can sign a lease or start a job.
General liability does not cover your own property, professional mistakes, employee injuries, or cyber incidents. Those need their own coverages, which is why many owners start with a package policy.
If a client has ever asked for a certificate of insurance, general liability is usually what they mean. Learn more about business insurance or start a quote.
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