Core protection every business needs

General Liability Insurance

General Liability (GL) insurance protects your business against third-party claims of bodily injury, property damage, and advertising injury. It's the foundation of any business insurance program — and is frequently required by landlords, clients, and contracts.

Get a quoteCall (623) 873-1234

At a glance

General Liability

Reviewed by a
licensed agent
Standard Limits
$1M per occurrence / $2M aggregate
Typical Annual Cost
$500 – $2,000 for most businesses
Policy Type
Occurrence-based
Common Add-ons
Additional insured endorsements, HNOA

Watch for: Completed operations: the claim can come years after the job.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers05

  • Third-party bodily injury (customer slip-and-fall, visitor injuries)
  • Third-party property damage (you accidentally damage a client's property)
  • Products & completed operations liability
  • Personal & advertising injury (defamation, copyright in your ads)
  • Legal defense costs — attorney fees and court costs

Who needs it05

  • Every business — most landlords and clients require proof of GL
  • Contractors and tradespeople (required by contract on most jobs)
  • Retail stores and restaurants (high public foot traffic)
  • Professionals who visit client sites or host customers
  • Anyone with a physical location open to the public

Questions

About general liability, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Umbrella / Excess

    An extra layer of protection above your primary policies
  2. 02

    Workers' Comp

    Required for employers in nearly every state
  3. 03

    Contractors

    Comprehensive coverage for construction and trade contractors

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with general liability options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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