When you run a business — whether it’s a storefront on Main Street, a food truck, or a home-based side hustle — you’re taking on risk every single day. General liability insurance is one of the most important ways to protect your business from the unexpected.
What General Liability Covers
General liability (often called “GL” or “business liability”) helps protect your business from common third-party claims such as:
- Bodily injury – If someone trips, slips, or gets hurt on your property.
- Property damage – If you accidentally damage a client’s property while doing your work.
- Personal and advertising injury – If someone claims you’ve harmed their reputation through your marketing or online content.
Without this coverage, your business could be on the hook for medical bills, repairs, and legal costs — expenses that can add up fast.
Who Needs It
In short: almost every business owner.
But here are a few examples where it’s especially important:
- Contractors, landscapers, and service providers – You’re working on someone else’s property, so accidents are always a possibility.
- Retail shops and restaurants – You have foot traffic. One spill or trip could lead to a costly claim.
- Home-based businesses – Your homeowner’s insurance usually doesn’t cover business activities.
- Professional or creative services – Even if your work is digital, you could still face claims for defamation, copyright, or reputational harm.
- Event organizers and vendors – Many venues require proof of general liability before you can even set up.
When to Seek It Out
You should consider getting general liability coverage when:
- You sign your first client or lease – Landlords and contracts often require proof of insurance.
- You hire employees or subcontractors – More people means more potential for accidents.
- You advertise your business publicly – Online posts, print ads, or flyers can expose you to “personal and advertising injury” claims.
- You’re growing or changing what you do – If you’re expanding your services or moving into a new location, it’s a good time for a coverage check-in.
Bottom Line
General liability insurance is a cornerstone of business protection. Whether you’re just getting started or have been around for years, it helps safeguard the business you’ve worked so hard to build — and keeps one accident from becoming a major setback.
If you’re not sure what type or level of coverage is right for your business, our team can help review your needs and walk you through your options.
Let’s make sure you’re covered before you need it. Contact us today to talk about your general liability options.