What Does General Liability Insurance Cover?
General liability (GL) insurance covers your business's legal obligations if you're responsible for injuries, property damage, or other harm to third parties.
Bodily Injury
Covers medical expenses, legal defense costs, and settlement payments if a customer, vendor, or other third party is injured on your premises or as a result of your business operations.
Property Damage
Covers damage your business causes to someone else's property — whether at your location, a client's premises, or a job site. Pays for repair or replacement costs.
Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, wrongful eviction, and false advertising — important for businesses with a marketing or advertising presence.
Medical Payments
Covers minor medical expenses for third parties injured in connection with your business, regardless of fault. Often helps resolve small claims without litigation.
Products & Completed Operations
Covers claims arising from products your business sells or manufactures, and from work you've completed — including injuries or damage that occur after the project is done.
Required by Clients & Contracts
General liability coverage is the #1 insurance requirement in business contracts. Most landlords, property managers, and corporate clients require proof of GL coverage (a Certificate of Insurance) before doing business with you.
The Most Common Business Insurance — For Good Reason
Required for Most Contracts
Virtually every commercial lease, government contract, and corporate vendor agreement requires general liability insurance. Without it, you may be unable to sign contracts, obtain permits, or work with certain clients.
Affordable Foundation
General liability premiums vary by industry and revenue, but many small businesses can get $1 million in coverage for $500–$1,500 per year. It's the most affordable way to establish a solid business insurance foundation.
Every Business Needs It
Whether you run a retail store, a construction company, a consulting firm, or a home-based business, general liability insurance provides essential protection that every business owner should have in place.
Business Insurance Done Right
Hunter Chaumont has helped hundreds of Texas businesses get properly covered. Don't leave your business exposed — get expert guidance from a local agent who understands your needs.
We Shop Top Carriers
We compare options across leading commercial carriers to ensure your business gets the right coverage at a competitive price.
Industry-Specific Knowledge
Different businesses face different risks. We understand the coverage needs of contractors, retailers, medical professionals, and service businesses.
Real People. Real Answers.
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