Bodily Injury
Core coverageHelps cover claims if someone is injured at your premises or due to your operations.
- Slip-and-fall incidents
- Medical costs & settlements (terms apply)
- Legal defense included (varies)
AllGuard Insurance Brokerage Inc
General Liability Insurance
A foundation policy that helps protect your business from common third‑party claims.
Bodily InjuryHelps cover injury claims
Property DamageHelps cover damage to others’ property
Legal DefenseHelps with covered defense costs
Independent Brokerage
Fast Quotes
Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Business operations summary
- Revenue estimate
- Locations + jobsites
- Contract/landlord requirements
What is General Liability Insurance?
General liability insurance helps cover common third‑party claims like bodily injury, property damage, and certain advertising injury claims related to your business operations.
What does it cover?
General Liability helps protect your business from common third‑party claims that can happen during everyday operations.
Property Damage
Core coverageHelps cover damage you or your team may cause to someone else’s property.
- Accidental damage at a client site
- Completed operations options
- Limits matter for contracts
Personal & Advertising Injury
Often includedHelps cover certain claims like libel, slander, or copyright-related allegations in ads (policy terms apply).
- Marketing/advertising disputes
- Reputation-related claims (varies)
- Not all risks are covered
Products & Completed Operations
If you sell/installHelps cover claims tied to products you sell or work completed offsite.
- Installation-related incidents
- Product-related injury/damage claims
- Important for contractors
Certificates of Insurance (COI)
Contract-readyCOIs can be issued to landlords, vendors, and clients to meet contract requirements.
- Additional insured options
- Specific wording available
- Fast turnaround with details
Good to know
General Liability doesn’t typically cover your own tools, equipment, or employee injuries—ask about tools coverage and Workers’ Comp.
Who needs it?
Contractors and trades
Retail stores
Restaurants
Professional offices
Event vendors
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is general liability required?
Often required by landlords, clients, and contracts.
Does it cover my employees?
Employee injuries are typically Workers’ Comp, not GL.
Does it cover my tools?
Tools are usually separate (inland marine/tools coverage).
How much coverage should I get?
Depends on contracts and risk; we’ll recommend limits.
Can I get a COI quickly?
Yes—often the same day once coverage is active.
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Ready to protect what matters?
Request a free quote or speak with an agent.