General Liability Insurance
Protect your business with innovative and customized insurance strategies, so you’re prepared when you need it most. General liability insurance is designed to help protect your company when claims arise from everyday operations — like customer injuries, property damage to others, and certain advertising or personal injury allegations. Whether you run a storefront, office, warehouse, restaurant, or service-based business, general liability helps keep one accident or lawsuit from becoming a major financial setback.
Below are common general liability coverages businesses choose to include. If you need coverage not listed here, don’t hesitate to reach out—we can help you build a liability program that fits your business and budget.
Bodily Injury Liability (Customer & Third-Party Injuries)
This is the foundation of general liability coverage. It helps protect your business if a customer, vendor, or visitor is injured at your location or because of your operations—such as slip-and-fall claims, trip hazards, or injuries during on-site service work.
Property Damage Liability (Damage to Others’ Property)
If your business accidentally damages someone else’s property, general liability can help respond to covered claims. This can include damage caused during installation, repairs, service calls, or everyday operations at a job site.
Products & Completed Operations (Work You Finished / Products You Sold)
If you sell products or perform work for customers, this coverage can help protect against certain claims alleging bodily injury or property damage caused by your product or completed work. It’s especially important for contractors, installers, and businesses that manufacture or distribute goods.
Personal & Advertising Injury
General liability can help address certain claims related to things like defamation, libel, slander, copyright infringement in advertising, or other covered “personal injury” allegations tied to business communications and marketing.
Medical Payments (Small Injury Incidents)
Many policies include medical payments coverage that can help pay for smaller medical bills when someone is injured on your premises—often without needing to prove fault. It can be useful for resolving minor incidents quickly.
Additional Insureds & Contract Requirements
Many contracts require general liability insurance and specific wording—like adding a landlord, property owner, or client as an additional insured. We help structure certificates and endorsements correctly so you stay compliant and protected.
Umbrella / Excess Liability (Higher Limits)
Some claims can exceed base liability limits. An umbrella policy adds extra limits above your general liability (and other underlying policies when applicable), helping protect your business against severe or unexpected losses.
Quick Answers People Search For:
What does general liability insurance cover?
Typically: bodily injury, property damage, products/completed operations, and personal & advertising injury — plus medical payments and defense costs for covered claims. Coverage depends on the policy and endorsements.
Is general liability insurance required?
It may be required by landlords, clients, contracts, or licensing rules. Even when not required, it’s one of the most important baseline protections for most businesses.
How much general liability insurance do I need?
A strong starting point depends on your industry, contracts, foot traffic, and risk. Many businesses choose higher limits or add an umbrella policy for stronger protection.
At StarNet Insurance Group, we make general liability insurance clear and practical — so you can protect your business, your budget, and your long-term success with confidence.