General Liability Insurance

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What Is General Liability Insurance

General liability insurance protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. However, general liability insurance will not protect you from everything. Some business owners buy other business liability insurance and package it with general liability.

General liability is usually combined with property insurance in a Business Owner’s Policy (BOP), but contractors can get the standalone coverage through AIS.

Who Needs This Coverage?

Whether you are an independent contractor or a small business owner, you will need some form of protection, like general liability insurance, to safeguard your livelihood.

A single incident can take down your business or stop your company from operating routinely. Therefore, ensuring you have significant general liability insurance coverage that meets your business needs is good protection to keep your business on its feet.

You should consider general liability insurance coverage if you or your business interact with clients face-to-face, have access to client's equipment, represent your client's business or use third-party locations for any business related activities.

Some common professions that needs General Liability Insurance are:

  • Construction Companies
  • Carpenters
  • Plumbers
  • Cleaning Companies
  • Electricians

  • Landscapers
  • Painters
  • Handymen
  • Digital Marketing Companies
  • Many more

Examples of what could be covered:

Bodily injury: A client falls over your tool bag and you may be legally liable for the injury. We have multiple types of policies that cover the subsequent claim and related medical expenses up to your General Liability policy's limits of liability.

Property damage and data loss: You spill a drink on a client’s server causing damage and loss of data. We have policies that cover the consequent claim up to your General Liability policy's limits of liability.

What Types of Coverage Are Available

General Liability Insurance comes with a variety of coverage options for your business. Not all businesses are required to have all of the coverage that is in a BOP. 

Talk to one of our Insurance Specialists who can help you decide what type of coverage you will need to protect your business, your employees and yourself.

  • Protection against lawsuits
  • Bodily injury and property damage liability
  • Product and liquor liabilities
  • Medical and disability
  • Completed operations/product
  • Advertising personal injury
  • Contract liability

Get General Liability Insurance Through AIS

Getting your business protected should be a top priority because the unexpected can happen at any time. Speak to an AIS Insurance Specialist who understands General Liability Insurance and can give you suggestions for your specific situation. Call AIS today at (866) 570-7335 or making a quote request so one of our specialists can reach out to you.


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