General Liability Insurance

Unfortunately, we live in a society that is becoming more litigious by the minute. If you think your company is unlikely to face a claim for a million dollars or more, think again. Imagine the time, money, energy and other resources that would be depleted if you had to fight against a claimant on your own. That’s time better spent running and growing your business.

That’s where the General Liability policy comes in. We call general liability the superhero of insurance because it protects your company’s assets and pays for obligations — medical costs, as the most common example — incurred if someone gets injured on your property or if you or an employee causes damage to someone else’s property. In the event that you are served with a lawsuit, this policy will provide coverage for a settlement up to the policy limit for any covered loss, and defense costs are typically covered outside of the policy’s limits.

General Liability can protect your business against:

  • Injuries to others including slip-and-falls
  • Damages to a rented/leased premises
  • Damages to others’ property such as job sites
  • Lawsuits arising out of your completed operations
  • Suits alleging false or misleading advertising, libel, and slander
  • Claims of copyright infringement

Coverage is available as a stand-alone policy or included in a Business Owners Policy (BOP) or bundled into a Commercial Package Policy. Coverage, such as those mentioned above, vary and may not be available on all policies.

Contractors & Subcontractors Insurance Program Team

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"At first I had contacted Tom because I saw him at the builders meetings and in some of the local builders magazine articles. Once I met with him, it turned into exactly the type of relationship you look for with an insurance agent — I went from being a client number at a “Big Box insurance agency” to Tom saying, "Hey Steve, what do you need and what can I do for you?”"


Steve Fabrizio, Fabrizio Construction LLC