Accidents happen.
This is the coverage for when they do.
It helps cover you when your business accidentally hurts someone or damages their property — medical bills, repairs, and the legal costs that follow. We set it up in plain English, so you actually know what you’re paying for.
- TodayCOI sent · Acme PropertyAdditional insured · waiver of subrogation
- TodayEndorsement added · Riverside CoPrimary & noncontributory
- YesterdayRenewal quote pulled · 90 days ahead3 carriers · same coverage
- May 19Certificate of insurance · Hudson Yards$1M / $2M · landlord add'l insured
Start wherever you are.
First time buying this? We'll tell you what general liability does, what it doesn't, and exactly what to ask for — in plain English, no pressure.
If a customer gets hurt or something gets broken, this is the coverage that responds.
- Third-party injuryMost common
- Property damage
Already have a policy? Upload it. We'll spot what you're missing, what you're overpaying for, and move you over without a gap.
- GL · $1M / $2M
- Property · $250K
- BI · 12-month ALE
- Missing add’l insuredRequired by your lease
- No waiver of subrogationTwo MSAs ask for it
- Limits look rightCommon for your industry
These are the moments it’s built for.
If any of these sound like your business, GL is the policy that usually shows up first — the one a client, landlord, or contractor wants to see before you can start work.
A client asked for “proof of insurance” before they’d let you start.
People come to your space, or you go to theirs.
You work on or inside other people’s property.
You sign contracts, leases, or vendor agreements.
One bad accident could cost more than you keep on hand.
What it actually covers.
Short version: if your business accidentally hurts someone or damages their property, this is the coverage that usually steps in.
Someone gets hurt at your shop or on your job site — it helps with the medical and legal bills.
Your work damages a client’s property — it helps cover the repair or replacement.
You get sued over a covered claim — it helps pay to defend you, even if the claim is groundless.
Certain advertising mix-ups, like accidentally borrowing a competitor’s tagline.
- Add'l insured
- Waiver of subrogation
- Primary & noncontributory
The exact limits and wording your contracts ask for, when they’re available.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording before recommending anything.
What it won’t cover — no surprises.
Every policy has limits. Here’s where this one ends, and the coverage that usually picks up the rest.
Each line links to the coverage page that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
A client slips in your office and files a claim.
Your crew scratches a customer’s floor moving equipment.
A landlord won’t hand over the keys until you show specific liability limits.
A GC won’t let you on site until you’re added to their policy.
The paperwork standing between you and the job.
Certificates, “additional insured,” waivers of subrogation — we turn the stuff your contracts ask for into a quick checklist, not homework.
- Certificates of insurance for clients, landlords, and vendors.
- “Additional insured” wording for the people you contract with.
- Waiver of subrogation wording when a contract calls for it.
- “Primary and noncontributory” wording when a client wants your policy to go first.
These are what underwriters look at. None of them give you a quote on a landing page — but they tell you what we’ll need to size it.
No instant-quote gimmicks. We make the inputs clear, shop the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English, reading your contracts, and staying on it after bind. Insurance that feels handled.
We read the actual contracts and insurance requirements you’re signing.
We compare limits, exclusions, and carriers across the market — not just one quote.
We make sure your certificates match what you’re promising clients.
We keep it current after you’re covered — renewals, certificates, reviews.
The stuff everyone asks.
Usually no. But landlords, clients, lenders, and contract partners commonly require it before they let you start work, move into a space, or onboard as a vendor. In practice it's often the policy that unblocks revenue.
It depends — and that's an honest answer, not a hedge. Limits, deductibles, and endorsements should reflect your industry, contracts, revenue, claims history, and risk tolerance. We help you size it in plain English instead of guessing.
No. General liability usually responds to third-party bodily injury, property damage, and certain advertising injury claims. Professional liability (errors and omissions) responds to financial harm from professional services, advice, or work product. Many businesses carry both.
Yes. We review certificate requirements, issue COIs, and check common endorsements — additional insured, waiver of subrogation, primary and noncontributory — against the language your contract actually asks for.
What we look at alongside GL.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01Read the actual contracts you’re signing
- 02Compare limits, exclusions, and carriers across the market
- 03Make sure your certificates match what you’re promising
- 04Keep it current after you’re covered