Coverage
General Liability Insurance
General liability answers claims that come from outside the business. A customer who falls, a job that damages a client’s building, an advertisement that draws a complaint. It is also the policy every contract asks you to prove you carry.
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What general liability insurance covers
Bodily injury
Injury to a customer, a vendor, or a member of the public arising from your operations or your premises. Standard limits run a million per occurrence with a two million aggregate, which is the total for the policy year.
Property damage
Damage your business causes to property belonging to somebody else, including a client’s building while you work in it. Damage to your own property and your own work sits elsewhere.
Personal and advertising injury
Libel, slander, copyright infringement in advertising, and similar claims arising from how the business presents itself. Smaller businesses generate these more once the marketing moves online.
Medical payments
Minor medical costs for someone injured on your premises, paid without arguing about fault. It exists to settle small incidents quickly before they become liability claims at all.
Defense costs
Attorney fees, court costs, and investigation costs are usually paid on top of the policy limit rather than being drawn down. Defending a claim with no merit still costs money.
Products and completed operations
Claims arising after a job is finished or a product has left your hands. For contractors this is often the exposure that outlives the work by years.
Additional insured endorsements
Adds a general contractor, a landlord, or a client to your policy where a contract requires it. Almost every commercial agreement asks for this, and a certificate that does not match the contract is what gets a crew turned around at the gate.
Certificates of insurance
The document proving coverage, which clients and general contractors will ask for before you start. We keep your wording on file and send the certificate to whoever is asking.
Who it’s for
Who needs general liability
Contractors and trades
Jobsite risk and certificate requirements tend to arrive together.
Storefronts and restaurants
Daily foot traffic and customers inside the building all day.
Professional offices
Clients and vendors come into the space and the liability follows them through the door.
Coastal operators
Marinas, rental agencies, and the tourism businesses built around them.
Our process
Three steps, starting with your contracts
Tell us what the business does
What the business does, who your customers are, and what your contracts require. Certificate and additional insured requirements shape the policy as much as the work does.
We check it against your contracts
We quote across commercial carriers and check the wording against the contracts you have to satisfy, because a policy that fails a client’s requirements is a policy you cannot use.
We check certificates
We set up certificate issuance and keep your wording on file, so a request does not start from scratch every time one comes in.
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Common questions
Questions we hear about general liability
Third-party bodily injury, property damage you cause to others, and personal or advertising injury claims, plus the cost of defending all of it. In short, harm to other people and their property.
Your own property, your own employees, professional mistakes, and the quality of your own work. Each of those needs its own policy, and assuming general liability covers them is the most common gap we find.
Someone added to your policy because a contract requires it, usually a general contractor, a landlord, or a client. The endorsement wording has to match what the contract demands word for word.
Almost certainly, and probably more than once. Clients and general contractors require proof before work begins, so we keep your certificate wording on file and issue against it.
No. Employee injuries fall under workers compensation, which is a separate policy and a North Carolina requirement once a business has three or more employees. General liability covers people outside the business.
No, and this is the gap that catches service businesses. Errors in professional advice or work quality need professional liability, sometimes called errors and omissions.
Get started
Quote my liability coverage
Tell us what the business does and who asks for certificates, and a licensed agent will follow up the same business day with your contract requirements read first.