General Liability Insurance
Prepare for the Unexpected.
Protection for the Everyday Risks of Doing Business
Customers visit. Deliveries arrive. Employees work around other people and their property. Products leave your premises. Even routine business operations can lead to claims that someone was injured or property was damaged.
Commercial general liability insurance can help protect your business against certain third-party claims involving bodily injury, property damage, and personal and advertising injury.
Depending on the claim and policy terms, coverage may also include legal defense costs and covered damages or settlements, subject to applicable limits, exclusions, and conditions.
What General Liability Can Help Cover
General liability policies commonly address several types of third-party liability claims. The coverage available for a particular claim depends on the policy and circumstances.
Bodily Injury
Certain claims involving injury to customers, visitors, or other third parties arising from your premises or business operations.
Property Damage
Certain claims involving physical damage to property belonging to someone else arising from covered business operations.
Personal & Advertising Injury
Certain claims involving offenses such as libel, slander, wrongful eviction, or some advertising-related copyright claims.
Products & Completed Operations
Certain bodily injury or property damage claims arising from products you sell or work that has already been completed.
General Liability Touches Many Everyday Business Exposures
General liability is commonly part of the insurance program for businesses that interact with customers, vendors, landlords, contractors, or the public.
- Customers, vendors, or visitors come onto your premises.
- Employees perform work at customer or third-party locations.
- Your business sells, serves, manufactures, or distributes products.
- Your operations could accidentally damage property belonging to others.
- A landlord, customer, vendor, or contract requires liability insurance.
General Liability Does Not Cover Every Business Risk
General liability is an important part of many business insurance programs, but it is not designed to address every type of claim.
Professional services, employee injuries, employment-related claims, cyber events, pollution, and other specialized exposures may require separate policies, endorsements, or additional coverage.
Why the Details Matter
Coverage can vary by insurer and policy. Reviewing the actual definitions, exclusions, limits, endorsements, and contract requirements is an important part of building a liability insurance program around your business.
How DiNicola Can Help
General liability coverage works best when it reflects what your business actually does. We help clients look at their operations, contracts, and broader insurance program.
Understand Your Operations
We look at where you operate, who you interact with, what you sell or do, and where liability exposures may arise.
Review Contract Requirements
We help clients understand insurance requirements involving customers, landlords, vendors, and other agreements.
Coordinate Coverage
We look at how general liability fits with property, workers' compensation, professional liability, cyber, management liability, and other coverage.
Risk Management Support
We can connect clients with practical resources that support safety, claims management, contracts, and day-to-day risk management.
Other Business Insurance
General liability is one part of a broader business insurance program. Explore additional coverage options for your business.
Commercial Auto Insurance
Explore Coverage →
Commercial Property Insurance
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Crime Insurance
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Cyber Liability Insurance
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Errors & Omissions Insurance
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Management Liability Insurance
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Workers' Compensation
Explore Coverage →
Business Insurance Overview
Explore Coverage →This page provides general information about commercial general liability insurance. Coverage varies by insurer and policy. Covered claims, exclusions, limits, deductibles, endorsements, defense provisions, and other terms are governed by the policy actually issued.
Let's Talk About General Liability
Tell us how your business operates. We can help you review your liability exposures and understand how general liability coverage may fit into your broader insurance program.