General Liability Insurance for Commercial Businesses

As an independent commercial broker, Business Insurance Brokers does not lock you into one insurer. We compare occurrence limits, additional-insured wording, waiver-of-subrogation terms, and completed-operations tails so the certificate you hand a client actually matches the contract you signed.

A typical small-commercial general liability policy is written on an occurrence basis with per-occurrence and aggregate limits. Retailers and offices often start at $1 million per occurrence / $2 million aggregate. Contractors bidding public or larger private work frequently need higher aggregates, per-project aggregates, and primary-and-noncontributory endorsements.

Products and completed operations matter as much as premises liability. A plumber's leak that appears six months after the punch list, a restaurant's foodborne-illness allegation, or a retailer whose sold goods injure a customer all live in that part of the form. We make sure that coverage is not quietly sublimited or excluded for your class.

Personal and advertising injury is usually included, but professional advice is not. Consultants, designers, and agencies still need a separate professional liability policy. We will tell you when GL is enough and when it is not.

• Premises and operations Slip-and-fall, jobsite visitor injury, and damage you cause while working at a customer location.
• Products and completed operations Injury or damage that shows up after the sale or after you leave the job.
• Contractual liability The insured-contract language that supports hold-harmless clauses in leases and construction agreements.
• Additional insureds Landlords, GCs, and municipalities named as required, with wording we review against the actual contract.