General Liability Insurance
Essential Protection for Your Business
General Liability Insurance, also known as CGL, is the fundamental coverage every business needs. It provides compensation for legal liabilities arising from third-party bodily injury, property damage, or reputational harm during business operations, helping you avoid high costs from unexpected incidents.
Bodily Injury: A customer slips and falls at your store or place of business.
Property Damage: An employee accidentally damages a customer's furniture or property while working.
Why Does Your Business Need It?
whenever you interact with customers, partners, or the public. The following scenarios could trigger a claim:
Whether you run an office, a retail store, a studio, or provide on-site services, you face liability risks
Advertising Injury: Your advertising content is accused of infringing on someone else's copyright or trademark.
Product/Completed Operations: Your product or service causes injury or loss to a third party after delivery.
Common Exclusions (Not Covered):
(e.g., consulting errors or negligence)
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Workers' Compensation
Pollution and environmental liability
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Liquor Liability ( bars/restaurants)
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Auto accidents (requires Commercial Auto Insurance)
Common Exclusions:
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Professional Liability (e.g., consulting errors or omissions)
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Employee Injuries (Requires separate Workers' Compensation coverage)
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Pollution and Environmental Liability
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Liquor Liability (Applicable to restaurants, bars, etc.)
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Auto Accidents (Requires Commercial Auto Insurance)）
Frequently Asked Questions (FAQ)
Q1：Do I need it if I am a one-person company?
A1：Yes. Even as an independent contractor or solopreneur, you face risks. Many clients or contracts also require a Certificate of Insurance (COI).
Q2：Does GLI cover employee injuries?
A2： No. Employee injuries fall under "Workers’ Compensation" and require a separate policy.
Q3：I have Commercial Property Insurance; do I still need this?
A3： Recommended. Property insurance covers your own assets, while GLI covers damages to third parties. They serve different purposes and should be used together.
Q4：Is the premium expensive?
A4：Premiums depend on your industry and risk level. For small businesses, starting prices are very affordable—some as low as a few dozen dollars a month.
Q5：What is a COI?
A5： It stands for Certificate of Insurance. Once you purchase a policy, it can be generated immediately to prove your coverage to landlords or clients.
Why Choose Us?
Experienced with National Service: We have years of experience serving local and national clients. We hold insurance licenses in 48 states and provide convenient, high-efficiency online insurance services.