Illustrated street corner with a cafe, a studio, a shop and a van, and a purple wet floor sign outside the cafe

General liability insurance

slips, spills and oops, covered.

When a customer gets hurt or you damage their property, your policy pays, not you. We shop the market and stay with you through the claim.

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MARKETS WE PLACE THROUGH

life happens. you’re covered.

Slips, broken windows, even a bad ad. Tap around the shop to see what’s covered, and what isn’t.

Illustrated bakery with a pastry case, an espresso bar, a ladder and a toolbox, and a spilled coffee beside a purple wet floor sign

covered

A customer slips

Their medical bills and your legal costs.

covered

A pastry makes someone sick

Harm from what you sell.

covered

Your ad copies someone’s

Your defense if you’re accused.

covered

A fire damages your rented space

Usually a smaller limit for this.

covered

A customer slips

It helps pay their medical bills and your legal costs.

Examples. Your policy sets the details.

bad day? make one call.

We build the claim, send it in and follow up until it’s closed. You get back to work.

1. Call us
You talk to your advisor, not a call center.
2. We build the claim
Photos, bills and the policy, put together and sent in.
3. We push it through
We follow up with the carrier until it’s settled.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Bakery

your options

$980a year, $1M / $2M limits

3 options, same coverage

Option A$980

Option B$1,140

Option C$1,420

BakeryBrooklyn, NY$1.2M revenueNo claims

compare your options

same
coverage,
best price

get started Already insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

1. Send your policy
Your current policy is enough. No forms.
2. We compare
Coverage, service and price, side by side with today’s options.
3. You choose
Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about general liability.

Is general liability insurance required by law?

Usually not by state law, but it’s often required in practice. Landlords, clients, general contractors and lenders commonly ask for it in contracts, and some licenses require it. If a contract names limits or wording, the policy typically needs to match before work starts.

What’s the difference between general and professional liability?

General liability typically covers physical harm: someone gets hurt or their property is damaged. Professional liability covers financial harm from your advice or professional work, like a mistake in a design or a missed deadline. Many businesses carry both, depending on what they do.

Does general liability cover faulty work?

Usually not the cost of redoing your own work. It may help with damage your work causes to other property, like water damage from a leak you installed. What’s covered depends on the policy wording and the endorsements on it.

What does additional insured mean on a certificate?

It means another party, like a client or landlord, gets some protection under your policy for claims tied to your work. A certificate alone doesn’t do that. The policy needs an additional insured endorsement, and the certificate should show it.

Can a claim come after the work is finished?

Yes. Problems can show up months or years later, and completed operations coverage is what typically responds. What matters is whether your policy includes it and whether it’s in force when the claim is made.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations