Commercial General Liability Insurance

What is General Liability Insurance?

General Liability Insurance provides coverage to a business for bodily injury, personal injury and property damage caused by the business’s operations, products, or injury that occurs on the business’s premises.

If a person is injured at your place of business, a general liability policy will cover their medical expenses. The policy also would cover:

Employee damage to a third party’s property
Libel
Slander
Reputational harm
Copyright infringement damages

Why Choose AmTrust for General Liability Insurance?

AmTrust is a leader in small to mid-sized business solutions. Our agents have the experience, passion and industry knowledge to make the best small business insurance recommendations for your business’s needs. AmTrust agents and claims professionals ensure you can use and adjust your insurance policies as needed to get the most benefits from your coverage.

Small business owners can be exposed to many risks, from employee injuries to property damage to reputational harm. Liability claims, such as a customer slipping and falling in a local retail shop, can be very costly. To help cover the costs of these claims, small business owners should invest in general liability coverage.

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General Liability Insurance FAQs

What is general liability insurance?

General liability insurance, also called commercial general liability or business liability insurance, provides coverage to a business for bodily injury, personal injury and property damage caused by the business’s operations, products, or injury that occurs on or away from the business’s premises. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.

If a person is injured at your place of business, a general liability policy will cover their medical expenses. The policy also would cover the following:

Employee damage to a third party’s property
Libel
Slander
Reputational harm
Copyright infringement damages

Do I get general liability insurance with a businessowners policy (BOP)?

A businessowners policy, also called a BOP, is a type of commercial insurance that combines coverages you would typically buy separately into one bundle. The standard combination is general liability, business interruption and property insurance. However, other policies can be added to the BOP package, including Employment Practices Liability Insurance (EPLI) or Cyber Liability Insurance.

Which industries need general liability insurance?

AmTrust can work with a large range of risks and industries. Our small business insurance coverage offers the great benefits our agents and policyholders have come to depend on us for, like our competitive multi-tiered pricing, superior claims handling, excellent loss control services and so much more. We write coverage for businesses across a wide range of industries, including full coverage for the following preferred business classes:

Professional offices
Business and personal services
Retail
Restaurants
Artisan contractors
Auto service

What does general liability insurance cover?

General liability insurance covers a variety of exposures that a small business could face. The insurance coverage helps pay for medical or legal costs of an incident that took place at your business that led to a lawsuit. General liability insurance covers the expenses related to these types of business claims:

Costs for bodily injury or property damage claims against your business
Medical expenses if someone gets injured at your office or worksite
Advertising injury claims, such as copyright infringements against your business
Reputational harm due to slander, libel, wrongful eviction, violation of the right of privacy and more
Court costs, judgments and settlements for covered claims

What does general liability insurance NOT cover?

General liability insurance does not cover the following situations; however, the claims that result from these incidents can be covered by other small business insurance solutions:

Damage to your business property (covered by commercial property insurance)
Employee injury claims (covered by workers’ compensation insurance)
Auto accidents caused by you or your employees while driving for work (covered by commercial auto insurance)
Illegal or malicious acts done on purpose

Does AmTrust sell general liability insurance as a monoline coverage?

Currently, AmTrust does not sell general liability insurance as a monoline coverage. It is bundled into a businessowners policy (BOP) with business interruption and commercial property insurance.

How much does general liability insurance cost?

The cost for a general liability policy will vary depending on a business’s industry, location, operations and risk exposures. See your agent for more information about pricing for this policy.

Is general liability insurance required by law?

General liability insurance is not required by law – mostly. However, most small businesses would be unable to survive a large liability claim against their businesses without this type of coverage. Some states and municipalities require businesses to have proof of insurance coverage to do work with other companies.

General Liability Insurance

What is General Liability Insurance?

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Why Choose AmTrust for General Liability Insurance?

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