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Insurance for Third Party Liability

General liability
insurance

From slip-and-fall accidents to accidental property damage, general liability insurance can help
your business manage costs from covered third-party liability claims.

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Introduction

What is general liability insurance?

General liability insurance can help cover certain third-party claims alleging bodily injury, property damage, or personal and advertising injury arising from your business operations. This typically includes slip-and-fall injuries, damage to a client’s property, or claims involving libel, slander, or copyright infringement in advertising.

General liability insurance typically provides coverage for defense costs and covered damages, and may also include limited no-fault medical payments coverage, subject to policy terms and conditions.

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The Coverage

What can general liability
insurance cover?

Third-Party Bodily Injury

Helps cover claims alleging injuries to non-employees that may occur because of your operations, products, or completed work.

Third-Party Property Damage

Helps cover damages to someone else’s property that’s alleged to have arisen from your business activities.

Product Liability

Helps cover claims tied to bodily injury or property damage allegedly caused by products you manufacture, sell, or distribute.

Medical Payments

Helps pay medical expenses for injured third parties, often regardless of fault, subject to policy limits.

Personal and Advertising Injury

Helps respond to non-physical claims such as libel, slander, copyright infringement, or misappropriation in advertising.

Completed Operations

Helps cover claims that arise from your finished work, such as injuries or property damage linked to completed services or installations.

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Top Industries

Who can benefit from general liability insurance?

General Liability can be helpful for businesses that regularly interact with customers, vendors, or the public. It's especially important for businesses with foot traffic, physical work, on-site visits, or product manufacturing.

Construction Businesses
Property damage & completed ops
General & Independent Contractors
Property damage & completed ops
Retail Businesses
Customer injuries & product liability
Restaurants & Food Delivery
Customer injuries & product liability
Manufacturing Businesses
Product liability
Fitness & Wellness Businesses
Customer injuries
Additional Coverage

Other types of coverage
you might need

While general liability insurance can help cover common third-party claims, it typically excludes several key risks. Additional coverages can help fill gaps tied to your property, employees, or other specialized exposures.

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Commercial Property Insurance

Coverage for the
stuff you own

Commercial property insurance can help cover your buildings, equipment, and business contents against covered physical losses, complementing general liability insurance by protecting your property.

Common Questions

General liability
insurance FAQ’s

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about general liability insurance.

It’s not usually required by law, but many leases, contracts, and client agreements require businesses to carry general liability insurance as a condition of doing business.

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