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General liability
Covers claims that someone else was injured or their property damaged because of your business.
Start the general liability application →- What it covers
- Customer or visitor injuries on your premises or a job site
- Damage you cause to someone else's property while working
- Injury or damage from work you already finished
- Libel, slander, and advertising injury claims
- Legal defense costs, which are often the larger number
- What it doesn't cover
- Your own property and your own employees
- Professional advice or design errors — that needs E&O
- Work performed by an uninsured subcontractor, in many policies
- Typical limits
- $1M per occurrence / $2M aggregate satisfies most vendor and client contracts. Some general contractors and municipalities require $2M/$4M.
- Worth knowing
- Send us the insurance section of your contract before you sign. It's cheaper to match the requirement up front than to endorse the policy mid-term.
Common questions about general liability
What does general liability cover?
Customer or visitor injuries on your premises or a job site. Damage you cause to someone else's property while working. Injury or damage from work you already finished. Libel, slander, and advertising injury claims. Legal defense costs, which are often the larger number.
What does general liability not cover?
Your own property and your own employees. Professional advice or design errors — that needs E&O. Work performed by an uninsured subcontractor, in many policies.
What limits are typical?
$1M per occurrence / $2M aggregate satisfies most vendor and client contracts. Some general contractors and municipalities require $2M/$4M.
What should I watch out for?
Send us the insurance section of your contract before you sign. It's cheaper to match the requirement up front than to endorse the policy mid-term.