Coverage Overview
General liability is usually the first policy a business needs - and often the one a landlord or client requires proof of before you can sign a lease or start a job.
What general liability coverage typically includes
- Bodily injury and property damage claims from customers, vendors, or the public
- Products-completed operations coverage for claims arising after a product is sold or a job is finished
- Advertising injury coverage for claims like copyright or trademark disputes tied to your marketing
Carriers we compare
We shop general liability across biBERK, Hiscox, and Next Insurance for most small businesses, and through Attune when fast online quoting and binding matters for a time-sensitive contract requirement.
General Liability Insurance FAQ
Why does my landlord or client require a certificate of insurance?
It's their proof that you carry active general liability coverage at a specified limit before they're exposed to your business's risk - most commercial leases and many client contracts won't proceed without one on file.
What's the difference between per-occurrence and aggregate limits?
The per-occurrence limit caps what the policy pays for a single claim; the aggregate limit caps total payouts across all claims in the policy period. A busy year with multiple claims can exhaust the aggregate even if no single claim hit the per-occurrence limit.
Does general liability cover my employees' injuries?
No - employee injuries are covered by workers' compensation, a separate, required policy. General liability responds to third-party claims, not claims from your own employees.