General liability insurance,
defined.
General liability (GL) insurance protects a business against claims of bodily injury, property damage, and personal or advertising injury arising from its operations, products, or premises. It is a core commercial coverage, often the first policy a business buys, and is frequently required by contracts and landlords.
What general liability covers
GL responds to third-party claims, such as a customer injured at a business or damage caused by the business's work. It typically pays defense costs and damages up to the policy limits.
It does not cover employee injuries, which fall under workers compensation, or professional mistakes, which need professional liability.
Common questions
Is general liability the same as a business owners policy?
No. General liability is one coverage. A business owners policy (BOP) bundles general liability with commercial property, and sometimes other coverages, into one package for small to mid-size businesses.
Return your brokers to broking.
We spend a month at your desk and build agents for your loudest workflows. You use them like your own. If they help, send a note.
Start a free pilot