General Liability Insurance
Protect Your Business with General Liability Insurance
Years ago, lawsuits were a relatively rare occurrence, but times change. Today, no business can afford to be unprepared – it could be a delivery person who breaks a leg on a slippery floor, a guest injured after your company holiday party, or a competitor suing for copyright infringement. Even if the suit fails, defense costs can be high.
Commercial General Liability (CGL) insurance protects your business assets if you’re sued for something your business did (or failed to do) that contributed to injury or property damage to someone else – including libel, slander, copyright infringement, or false advertising. Coverage pays for damages as well as attorneys’ fees and other defense costs, whether the suit is valid or not.
General liability insurance is available as standalone coverage or included in a Business Owners Policy (BOP). It does not cover injury to employees or harm from professional negligence – other coverages are needed for those exposures.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
What General Liability Covers
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Legal defense costs
- Medical payments
Who Needs General Liability Insurance
Virtually every business – from contractors to retailers to professional service firms – faces some risk of a third-party injury or property damage claim, making general liability a foundational coverage. As an independent agency, we tailor coverage limits to your specific operations and can bundle general liability with other commercial lines for added savings.
Other Liability Insurance Options:
- Employment Practices Liability (EPLI)
- E&O (Professional Liability)
- Directors & Officers Liability
- Fiduciary Liability
- Contractual Liability
- Liquor Liability
- Excess Liability Insurance
- Umbrella Insurance
- Pollution Liability
Our Goal Is to Be Your Outsourced Risk Management Partner
Lawsuits don’t discriminate by business size — a slip-and-fall claim or a defamation suit can hit a five-person shop as easily as a large company. You have enough to worry about running your business; you shouldn’t have to worry about whether one unexpected claim could wipe out what you’ve built.
Tailored Solutions
For many businesses, general liability insurance or a package of coverages offers good protection, but other coverages may be advisable – Employment Practices Liability Insurance (EPLI) is increasingly relevant given the growing number of employee discrimination suits. As part of our risk assessment, we’ll advise you of industry-specific exposures that might warrant supplemental coverage.
360 Degree Approach
We take a 360-degree view of your business to ensure all aspects are secure. Our team of experts in Loss Control, Employee Benefits, HR, and Surety Bonds are all available to our commercial clients, ensuring multi-pronged risk mitigation.
Our RISK SHIELD® Process
Insurance is a critical component of business protection, but it’s only one piece. Our proprietary RISK SHIELD® Process identifies your exposures and puts a loss control plan in place to mitigate them – often through insurance, but frequently through a business process or risk-reduction measure.
CONSULT
DESIGN
BUILDING
MAINTAIN
General Liability Insurance FAQs
It's not legally required for most businesses, but many landlords, clients, and contracts require proof of general liability coverage before you can operate.
General liability covers third-party bodily injury and property damage claims, while professional liability (E&O) covers claims related to mistakes or negligence in the professional services you provide.
It depends on your industry, size, and contractual requirements – our risk assessment process helps determine the right coverage limits for your specific exposures.
Yes, a Business Owners Policy (BOP) often bundles general liability with property coverage, and we can tailor a package that fits your operations.
