General liability insurance helps protect your business if a customer, client, vendor, landlord, or other third party claims your business caused injury, property damage, or personal and advertising injury. Casurance helps business owners compare coverage options, limits, certificates, endorsements, and related policies like BOP, workers' compensation, commercial auto, professional liability, and umbrella insurance.
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Travelers · Chubb · CNA · AmTrust · Berkshire Hathaway GUARD. Availability depends on your business and underwriting.
Coverage built around your next move
Winning work is only part of the job. Let Casurance help you review the general liability protection your operations, customers and contracts call for. Start with your contact details, then tell us about your business in the existing application.
Bring us the insurance requirements before work starts. Tell us what your business does, where you work, and whether you use subcontractors. We can review the requested limits and endorsements with your submission.
Have the certificate holder details and insurance section of your agreement ready. A certificate shows evidence of coverage; it does not itself add coverage or change your policy. Ask about any additional insured or other endorsement requirements.
Share your current policy and the changes in your operations. Review limits, exclusions, covered activities and contract requirements alongside the premium. Tell us your requested start date so the team can understand your timeline.
A focused quote request
Whether you are opening a business, taking on a contract or reviewing a renewal, a clear submission helps our team understand the account. You can request coverage and upload supporting documents through the application.
Submitting an application does not bind coverage. Options, terms and pricing depend on carrier review and underwriting. Review the policy and endorsements before making a decision.
General liability insurance, also called commercial general liability or CGL, is one of the main policies most businesses buy first. It helps protect your business from common third-party claims, including customer injuries, damage to someone else's property, and certain lawsuits involving your advertising or business operations.
This coverage is different from workers' compensation, commercial auto, professional liability, cyber liability, and commercial property insurance. General liability is mainly for claims from people outside your business, not your own employees or your own property.
Simple way to think about it
If someone outside your business gets hurt, their property gets damaged, or they sue you over covered advertising or business operations, general liability may help respond.
A standard general liability policy may help respond to several common types of third-party claims.
A customer slips in your store, a visitor falls at your office, or someone is injured because of your business operations. General liability may help pay medical costs and legal defense expenses if your business is legally responsible.
Your employee accidentally damages a client's wall, floor, window, equipment, furniture, or other property while working. General liability may help pay repair or replacement costs.
A competitor, customer, or third party claims your advertisement, website, social media post, or marketing material caused harm, such as libel, slander, copyright infringement, or false advertising.
If a covered claim turns into a lawsuit, the policy may help pay attorney fees, court costs, settlements, or judgments, subject to policy terms, conditions, exclusions, and limits.
Some policies include limited no-fault medical payments for minor injuries to non-employees, even before a lawsuit happens.
If a product you sold or work you completed later causes injury or property damage, products-completed operations coverage may help respond depending on the facts and policy wording.
These scenarios show how general liability insurance may help real businesses respond to covered claims.
A customer slips near the drink station and needs medical care. General liability may help with medical payments and legal defense if the customer sues.
A plumber, painter, electrician, handyman, or flooring contractor accidentally damages a customer's wall, floor, pipe, or fixtures while working. General liability may help pay repair costs and defense expenses.
A shopper trips over a display, box, mat, or uneven flooring. General liability may help cover the claim if the business is legally responsible.
A business uses an image, slogan, or marketing message and another company claims copyright infringement, libel, slander, or false advertising. General liability may help with covered defense costs.
A contractor finishes a job, and later the completed work causes damage or injury. Products-completed operations coverage may apply depending on the policy.
A visitor is injured at an apartment building, shopping center, office building, or vacant property. General liability may help protect the owner, landlord, or property manager from covered third-party claims.
Most businesses that work with clients, sell products, rent space, advertise, visit job sites, own or manage property, or allow customers onto their premises should consider general liability insurance.
You may need general liability insurance to sign a lease, bid on a job, work with a client, get a permit, satisfy a landlord, or show proof of coverage through a certificate of insurance.
Casurance helps business owners review general liability options for small business, contractor, premises, habitational, hospitality, retail, office, service, and transportation-related risks.
General liability is often required before a contractor can bid, start work, pull permits, or access a job site. Casurance can help contractors review limits, additional insured wording, waiver of subrogation, primary and non-contributory requests, completed operations requirements, and certificate requests.
Don’t see your class? Contact us — coverage options may be available, subject to underwriting approval.
Class codes, eligibility, rates, forms, and exclusions vary by program and underwriting review. Casurance can help review your operations and match your business with available general liability options.
Not every class is available in every state or with every insurance program. Eligibility, pricing, forms, exclusions, and endorsements depend on underwriting approval.
Not every class is available in every state or with every insurance program. Eligibility, pricing, forms, exclusions, and endorsements depend on underwriting approval.
Contracts often ask for more than a basic general liability policy. Casurance can help review insurance requirements from landlords, project owners, general contractors, vendors, and clients so your coverage and certificates match what is being requested.
A certificate of insurance, or COI, is proof that your business has active insurance coverage. Landlords, project owners, vendors, property managers, and clients often request a COI before allowing work to begin.
General liability is important, but it does not cover every business risk. Depending on your operations, you may need additional policies.
| Not usually covered by general liability | Coverage usually needed |
|---|---|
| Employee injuries | Workers' Compensation |
| Business vehicles or auto accidents | Commercial Auto |
| Professional mistakes or bad advice | Professional Liability / E&O |
| Damage to your own building, tools, inventory, or equipment | Commercial Property or BOP |
| Cyber attacks or data breaches | Cyber Liability |
| Employee lawsuits | EPLI |
| Alcohol-related liability | Liquor Liability |
| Pollution claims | Pollution Liability |
| Higher lawsuit limits | Commercial Umbrella / Excess Liability |
| Property in your care, custody, or control | Inland Marine / Bailee Coverage |
| Crime, theft, or employee dishonesty | Crime / Employee Dishonesty Coverage |
Coverage depends on the actual policy form, endorsements, exclusions, state, and underwriting approval.
Transportation businesses may need general liability coverage for non-auto premises and operations exposures that are separate from commercial auto liability. Casurance can help review GL options for transportation companies, including office exposure, dispatch operations, customer and vendor visits, garage or premises exposure, contract requirements, certificates, additional insured requests, and related coverage needs.
General liability covers third-party injury, property damage, and certain advertising injury claims. A Business Owner's Policy, or BOP, usually bundles general liability with commercial property and business income coverage.
If you own equipment, inventory, furniture, fixtures, computers, tools, or lease a storefront, a BOP may make more sense than general liability alone. If your business is larger, higher risk, or needs more flexibility, a commercial package policy may be a better fit.
General liability insurance pricing depends on your industry, location, payroll, revenue, number of employees, prior claims, coverage limits, deductibles, certificates, endorsements, and contract requirements.
Many small businesses request $1,000,000 per occurrence / $2,000,000 aggregate limits, but the right limit depends on your contracts, landlord requirements, project owner requirements, industry, and exposure. Some businesses also need umbrella or excess liability for higher limits.
Tell us about your business and we will help you review coverage, limits, certificates, and endorsements.
Whether you need coverage for a lease, a client contract, a project, a storefront, a contractor job, or a certificate request, Casurance can help you compare general liability options and related business insurance coverage.
Coverage depends on underwriting, policy forms, endorsements, exclusions, and state availability.
If your Los Angeles business is bidding on a City contract, leasing City space or applying for a City permit, send us the insurance exhibit with your quote request. The City’s published instructions refer to the coverage types and limits in the Form Gen. 146 included with the particular agreement. A limit advertised on an insurance page is not a substitute for that project’s requirements.
The City also asks that insurance evidence identify the applicable bid, contract, lease or permit number, or the project name and job-site address. Having that information ready helps connect the certificate to the right agreement. For private customers and landlords, provide their own insurance exhibit so we can review it separately.
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