General Liability Insurance

General liability insurance protects your business from third-party bodily injury, property damage, and advertising injury claims. Get a GL quote from RISKX.

The foundation of every business insurance program.

General liability insurance protects your business from claims of bodily injury, property damage, and personal injury caused to third parties during normal operations. It covers legal fees, medical expenses, and settlements — so a single accident doesn't become a financial catastrophe.

What General Liability Insurance Covers

Bodily Injury

General liability covers their medical expenses, your legal defense costs, and any settlement — up to your policy limits.

Property Damage

Your policy covers the cost to repair or replace the damaged property, plus legal fees if the claim escalates.

Personal & Advertising Injury

General liability covers defense costs and damages for claims of libel, slander, copyright infringement, and false advertising.

Who Needs This Coverage?

Nearly every business needs general liability insurance. If you interact with customers, work on client property, or have a physical location, you're exposed.

What Happens Without It

A delivery person slips on your wet floor and sues for $150,000 in medical bills and lost income. Without general liability, you pay every dollar out of pocket — legal fees, medical costs, and the settlement. For many small businesses, a single uninsured claim means closing the doors.

Real-World Example

A plumbing contractor accidentally floods a client's finished basement while repairing a pipe. The homeowner files a claim for $40,000 in water damage restoration. The contractor's general liability policy covers the restoration costs and legal fees, keeping the business solvent and the client relationship intact.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]