General Liability Insurance
Safeguard Your Business From Unexpected Risks With Coverage That Keeps You Moving Forward
What Is General Liability Insurance?
Just as a safe vehicle and reliable GPS are essential for a safe journey, a comprehensive General Liability Policy acts as your business’ protective guardrail, helping you avoid costly bumps in the road. Our General Liability Coverage makes it easier to manage costs that arise from lawsuits related to certain situations.
Who Needs General Liability Insurance?
General Liability Insurance is a valuable safeguard for many types of businesses, particularly those that interact directly with customers, work at client locations, or operate in public spaces. It provides protection against common everyday risks, making it a smart choice for service-based businesses looking to protect their operations as they grow.
Common Business Types We Support
Contractors & Trades
Contractors and trades face real risks on every job. General Liability Insurance helps protect your business from costly claims, so one accident doesn’t slow you down.
Service Businesses
Service businesses face everyday risks when working with customers or while they’re out on job sites or in client spaces. General Liability Insurance helps protect you from costly claims while showing clients you’re established, responsible, and prepared for the unexpected.
What Does General Liability Insurance Cover?
Navigating the liability landscape for businesses can feel like traveling a highway filled with unexpected twists and turns—from slip-and-fall lawsuits to defective product claims. Just as a strong vehicle is essential for a safe journey, a comprehensive General Liability Policy acts as your business’s protective guardrail, helping you steer clear of hazards and pitfalls. Our General Liability Coverage is designed to assist your business in managing costs arising from lawsuits related to:
Personal/Bodily Injury
Property Damage
Advertising Injury
Recognizing that each industry faces unique risks, we provide tailored coverage to address the specific requirements of your business. This can help with out-of-court settlements, litigation expenses and court judgments that are the result of a covered incident, whether that incident occurs on your premises or involves claims associated with your products after they are out the door.
Premises & Operations
- Premises Liability – This coverage is for incidents at your primary location. If someone slips and falls at your shop, yard, or another location you own, rent, or lease, this coverage can help.
- Operations Liability – This is coverage for claims that arise while work is underway, onsite or off (for example, if a contractor drops a tool at a job site and injures someone walking by).
Products & Completed Operations
- Completed Operations Coverage – This is coverage for issues that arise down the road after the work is completed and you’ve left the site. For example, if your business installs a furnace and months later it causes a fire, this coverage helps protect you.
- Products Liability Coverage – This coverage is for problems that arise after your product leaves your premises. For example, if your business sells a decorative metal object with sharp points and it cuts a customer, this coverage can help manage your exposure.
Personal & Advertising Injury
This coverage helps with certain claims that don’t involve physical harm. For example, it can protect you if someone accuses your business of defamation, copyright infringement, or wrongful eviction. If your advertising or marketing leads to a covered claim, this insurance can provide support. It is separate from coverage for bodily injury or property damage.
What Does General Liability Insurance Not Cover?
General Liability Insurance doesn’t cover every risk your business may face. It typically excludes things like employee injuries, damage to your own property, professional errors, auto accidents, cyber incidents, and intentional acts—so you may need additional coverage depending on how your business operates.
Inland Marine Coverage
Because General Liability generally does not cover tools, equipment, or materials, many businesses also consider separate Inland Marine coverage. Inland marine helps cover tools, equipment, and materials while they’re in transit, stored off-site, or being used at a job site. It’s designed for the property your business relies on when it’s away from your main location.
* Inland Marine Coverage can be added to your Haulers GL policy through our optional Inland Marine Endorsement
Explore More Coverage for Your Business
Business Auto
Don’t let an accident stall your progress. Haulers provide robust coverage specifically designed to keep auto dealers, garages, and artisan contractors in motion, ensuring that the unexpected doesn’t take your business off course.
Auto Dealers
Your inventory is the heartbeat of your business. Safeguard your dealership and your bottom line from unforeseen risks with coverage built to protect your vehicles and your professional reputation.
Garage Keepers Liability
When customers trust you with their vehicles, give them—and yourself—total peace of mind. Our liability solutions protect your repair shop from the risks of handling client property, so you can focus on the work under the hood.
Property
Your workspace is your second home. Whether you own the building or the gear inside, Haulers offers comprehensive protection to ensure your physical assets are as resilient as your work ethic.
Why Choose Haulers for General Liability Insurance?
Haulers Insurance makes it easier to get General Liability Coverage that fits the real risks your business faces every day. With dependable protection, responsive service, and coverage designed to support growing businesses, we’re here to help protect what you’ve built.
Ready to Protect Your Business?
Ready to Protect Your Business?
Getting started with Haulers Insurance is simple. Connect with a local independent agent to explore your options, get answers to your questions, and find General Liability Coverage that suits your business.
General Liability Insurance FAQs
What does General Liability Insurance cover?
General Liability Insurance helps protect your business if someone claims your products, services, or day-to-day operations caused bodily injury or property damage. It may also help if you are held responsible for damage to property you rent, such as your landlord’s building.
What's the difference between General Liability and Professional Liability Insurance?
General Liability and Professional Liability cover different kinds of business risk. General Liability helps with claims involving bodily injury and property damage, while Professional Liability covers mistakes, negligence, or bad advice that may lead to financial loss.
Is General Liability Insurance required by law?
Although General Liability Insurance isn’t required by law, it can be an important way to help protect your business and personal assets.
Does General Liability Insurance cover my employees?
No. General Liability Insurance does not cover injuries to your employees. Instead, it helps protect your business from third-party claims, like if a customer or other visitor is injured or their property is damaged because of your business operations.
What's the difference between Premises Liability and Operations Liability?
Premises Liability covers injuries caused by something unsafe on your property, like an icy sidewalk. Operations Liability covers injuries tied to the work you do or the services you provide. Both are usually part of a Commercial General Liability Policy.
Does General Liability cover completed work after I leave a job site?
Yes—if your policy includes Products and Completed Operations Coverage. A CGL Policy that can help cover claims after your work is finished. Without it, General Liability usually only applies while the work is still in progress.
What is Personal and Advertising Injury Coverage?
Personal and Advertising Injury Coverage can help protect your business if a claim comes up because of your advertising or something that affects another person’s rights or reputation. It can help with things like libel, slander, copyright infringement, and invasion of privacy—so you know you have help if you ever encounter these types of issues.
Do I need General Liability Insurance if I already have Commercial Auto?
Maybe. Commercial Auto helps cover vehicles and driving-related claims, while General Liability helps cover things like customer injuries, property damage, and other common business risks. If your business does more than just drive, you may need both.