General liability is the foundation of nearly every business insurance program. When someone slips in your store, a crew damages a customer’s property, or a product you sell causes an injury, general liability pays the claim and your legal defense — so one accident doesn’t become a threat to your business.
What general liability covers
- Bodily injury to customers, vendors, and the public caused by your business
- Property damage you or your employees cause to someone else’s property
- Products and completed operations — injuries or damage that happen after a job is finished or a product is sold
- Personal and advertising injury — libel, slander, and certain advertising claims
- Medical payments for minor injuries on your premises, regardless of fault
- Legal defense costs, even when a claim is groundless
Who needs it
Almost every business does. We write general liability for contractors and trades, retailers, restaurants, offices, churches and nonprofits, landlords, and farm-related businesses across eastern Ohio, the West Virginia panhandle, and western Pennsylvania.
Contracts, certificates, and additional insureds
Many jobs, leases, and municipal contracts require proof of coverage and specific wording. We review what the contract asks for, make sure your policy meets it, and issue certificates of insurance quickly so you don’t miss work waiting on paperwork.
Build the rest of your program
General liability can be purchased on its own or bundled into a Business Owners Policy with property coverage. Most businesses pair it with commercial property, commercial auto, and a commercial umbrella for higher limits.
