GL helps cover third-party claims for bodily injury (e.g., a customer slip-and-fall), property damage you cause to others, and personal/advertising injury (like libel/slander). It pays for legal defense and settlements up to your policy limits.

Your own property, your employees’ injuries (that’s Workers’ Comp), professional errors/advice (that’s E&O/Professional Liability), auto accidents (Commercial Auto), and intentional misconduct. Read your exclusions—fine print isn’t fun, but it matters.

Usually not by statute, but landlords, vendors, and clients often require it in contracts. If you sign agreements, odds are you’ll be asked for GL with specific limits and endorsements.

Common limits are $1M per occurrence / $2M aggregate. Choose based on your foot traffic, project size, contractual requirements, and risk tolerance. For bigger contracts or venues, consider a $3–$5M umbrella.

GL covers physical-world accidents and certain personal/advertising injuries. E&O covers financial loss from your professional advice or services. Many businesses need both. Different risks, different safety nets.

GL can cover liability for damage or injury your team causes to others, but it does not cover your employees’ on-the-job injuries. That’s Workers’ Compensation territory.

GL is typically occurrence: if the incident happens during the policy term, you’re covered—even if the claim is filed later. Claims-made triggers when the claim is reported and requires careful attention to retro dates and tails.

Yes—common endorsements include Additional Insured (AI), Primary & Non-Contributory, and Waiver of Subrogation. Availability, wording, and fees depend on the carrier and your class of business.

After binding coverage and confirming endorsements, we can typically issue COIs quickly—often same day depending on carrier and requirements. Tight deadline? Tell us upfront so we can prioritize.

Pricing depends on industry, revenue/payroll, location, limits, and loss history. Many small businesses land in the ~$400–$1,200/year range for $1M/$2M limits, but high-risk trades or past claims will run higher. Monthly options are usually available.

Many GL policies have no deductible for liability claims, though carriers may apply deductibles to certain property damage or special coverages. Your quote will spell this out—no guessing required.

Frequently, yes. A Business Owners Policy (BOP) bundles GL with Business Property and Business Income. Contractors may add Tools & Equipment; higher-risk ops might add an Umbrella for extra limits.