General Liability Insurance
Protect your business.
Defend your reputation.
Essential coverage for bodily injury, property damage, and liability claims. Foundation protection every business needs.
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Foundation of Business Insurance
General liability is essential for every business. Many clients, landlords, and contracts require proof of coverage. Without it, a single lawsuit could threaten your business's financial stability.
Why general liability matters
General liability is the foundation of commercial insurance. It protects against customer injuries, property damage claims, and advertising injury—common risks every business faces. Without it, a single lawsuit could devastate your finances and reputation.
Included coverages
Core protections most GL policies include
Certificates & Contract Requirements
- Additional Insured endorsements
- Primary & Non-Contributory wording
- Waiver of Subrogation
- Same-day Certificate of Insurance (COI) turnaround available
Common claim scenarios
Real-world examples GL is designed to handle.
Slip-and-fall injury
A customer is injured on your premises—policy can cover medical costs, legal defense, and settlements.
Property damage at a client site
Your work accidentally damages a client's property—repairs and defense costs can be covered.
Products/completed operations
Injury or damage alleged from your product or a completed job—defense and settlement costs covered.
Personal & advertising injury
Claims for libel, slander, or ad infringement tied to your business operations—defense and damages covered.
What you'll need for a quote
Have this information ready for an accurate general liability quote.
Business Information
- •Legal business name
- •Business address
- •Years in business
- •Annual revenue
- •Number of employees
Operations & Risk
- •Detailed description of operations
- •Products or services offered
- •Work locations (on-site/off-site)
- •Any subcontractor usage
- •Safety programs in place
Coverage Requirements
- •Desired liability limits
- •Certificate holders requiring coverage
- •Contractual requirements
- •Additional insured needs
Claims History
- •Prior general liability claims (5 years)
- •Current GL policy details
- •Loss runs from current carrier
- •Any pending lawsuits
Ready to protect your business?
Get a personalized general liability quote from a licensed Gulf Coast agent.
Coverage options
Flexible limits tailored to your industry and risk profile.
Standard coverage
$1M per occurrence / $2M aggregate. Best for most businesses with moderate risk exposure and standard operations.
Higher limits
$2M-$5M+ coverage for businesses with greater liability exposure or contractual requirements for higher limits.
Get your quote today
Choose the method that works best for you
Online Quote
Fast turnaround on all online submissions
Industries we serve
Need higher limits across GL/Auto?
Consider a Commercial Umbrella policyFrequently asked questions
Common questions about general liability insurance
Still have questions?
Call us at (504) 315-4536Coverage, limits, discounts, and eligibility vary by carrier and state. Examples are educational and not a guarantee of coverage. Review your issued policy for terms, conditions, and exclusions.