General Liability

Must-have coverage for any business with outside or office operations. If a 3rd party sues you for a bodily injury or property damage, this is the essential policy that provides protection.
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What is General Liability Insurance good for?

Covers your legal liability for bodily injury to a Third Party (other than an employee) or property damage to property of others caused by an occurrence that must take place in the coverage territory and occur within the policy period. Covers your legal liability for personal injury (other than bodily injury) due to a legal obligation arising out or an offense to which this insurance applies. The offence must take place in the coverage territory and occur within the policy period. Covered offences defined in the policy can include but are not limited to:

  • Libel and slander
  • False arrest and malicious prosecution

Who is General Liability Insurance for?

Commercial lease holders, offices, retail and home based businesses. This basic but full featured policy is essential for any business wishing to stay protected against 3rd party negligence claims.

Why would I need General Liability Insurance?

General liability insurance helps protect businesses from being sued by third parties. The coverage includes protection for bodily injury, property damage, and personal or advertising injury claims.

A general liability insurance policy (CGL) is known as business liability insurance. This insurance can be tailored specifically to the needs of your business. For example, you can easily extend your coverage to any individuals you may need to add due to a business contract. We can also help you save money by providing discounts for installing specific safety equipment.

As a business owner, the law doesn’t require you to have business insurance. However, it is essential coverage that helps set your business up for success in the future. It also helps protect you when something unfortunate happens to you, your company, or your employees.

What does General Liability Insurance cover?

Say a customer trips and falls while shopping in your gift shop. They then sue you for the medical costs associated with their injury. Your general liability insurance can help cover these costs.

In another example, say you work as a contractor, and you accidentally damage a customer’s valuable china while working in their home. Your general liability insurance can help cover the costs associated.

Losses can occur at any moment during any day. Having the right business insurance can help protect you in situations like the ones mentioned above. In some cases, business insurance may even help you avoid closing your operation entirely from any lawsuits filed against you.

Property Insurance can be purchased to include:

  • Equipment
  • Inventory and supplies
  • Office furniture and fixtures
  • Computers and electronics
  • The personal property of employees while on-site
  • Customer property at your business site
  • Lighting systems
  • Windows
  • Outdoor signs
  • Fencing and landscaping
  • Tools and equipment in transit or used off-site for business purposes.

What does General Liability Insurance not cover?

  • Pollution
  • Nuclear Energy Liability
  • Asbestos
  • War
  • Terrorism
  • Fungi and fungal derivatives

Why buy your General Liability insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? In just simple clicks you can have your policy!


We know the cost of insurance is a big factor for many, and that's why we keep our rates low and affordable for all. We work harder to earn your business.


At Kovr, our specialists are not only committed to give you the best experience digitally, but we are also available 24/7 to help with any concerns!


Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.

What does General Liability cost?

Prices vary depending on revenue you earn. For simple operations, $1,000,000 liability can be purchased for as little as $390 for a full year.


Suggested coverages for General Liability Insurance?

A women slipped on a raised portion of sidewalk at insured’s premises, fell down and broke one of her legs also incurring a spinal injury – This claim for bodily injury was $50,000.

A woman fell in parking lot when she tripped over a wheel stop. She broke her arm and caused damage to her rotator cuff resulting in a $60,000 claim.

Man tripped over a rug in an office, fell and broke his leg resulting in a $15,000 bodily injury pay out.

What's next?

The best place to start is speak with a licensed professional broker. InsureCert will connect you with a fully licensed broker that understands your business and will work with you to protect what's yours.

Ready To Save?

Call 1-800-557-3347