General Liability
A customer slips and falls, an employee accidentally damages someone’s property, or a competitor claims your ad infringed on their copyright — one lawsuit could cost your business thousands. General Liability Insurance (GLI) helps protect your company from these situations so you can focus on running your business with confidence.
What Is General Liability Insurance?
General Liability Insurance — also known as Commercial General Liability (CGL) or Business Liability Insurance — helps cover costs related to third-party claims of bodily injury, property damage, or personal and advertising injury.
A comprehensive policy typically includes:
- Bodily Injury Coverage: Helps pay for medical expenses or legal costs if someone is injured on your business property.
- Property Damage Coverage: Covers accidental damage to someone else’s property caused by your business operations.
- Personal & Advertising Injury Coverage: Protects your business against claims like libel, slander, or copyright infringement in your advertising.
This coverage can help with legal defense costs, settlements, and judgments — so one incident doesn’t put your business at financial risk.
What’s Not Covered
While GLI is broad, it doesn’t cover everything. It generally excludes:
- Damage to your own business property – requires a Commercial Property policy.
- Employee injuries or illnesses – covered under Workers’ Compensation Insurance.
- Professional errors or negligence – requires Professional Liability (E&O) coverage.
- Intentional acts or illegal activities.
Why Your Business Needs GLI
Reason
Lawsuit costs are expensive
Often required by contracts or landlords
Builds client trust
Protects your assets
Why It Matters
Legal fees and settlements can reach thousands or even hundreds of thousands of dollars.
Many clients and property owners require proof of GLI before doing business with you.
Showing you’re insured gives customers confidence in your professionalism and responsibility.
Helps keep your business financially secure even if a claim arises.
Factors That Affect the Cost
The cost of General Liability Insurance depends on:
- Industry and risk level – Construction or contracting businesses tend to pay more than low-risk office operations.
- Business size and revenue – Larger businesses or those with more employees usually pay higher premiums.
- Location – Areas with higher claim frequency may result in higher costs.
- Coverage limits and deductibles – Higher limits or lower deductibles mean higher premiums.
Choosing the Right Coverage
- Evaluate your risks – Identify potential hazards specific to your business operations.
- Select proper coverage limits – Your “per occurrence” limit applies to each claim; the “aggregate limit” is the total for your policy term.
- Consider endorsements – Add options like contractual liability or product recall if needed.
- Set a reasonable deductible – Balance affordability and protection.
- Work with a trusted advisor – Choose an agency that helps you compare carriers and tailor coverage to your needs.
Why Choose DAP Insurance Agency
Every business has a story built on hard work, dedication, and vision. At DAP Insurance Agency, we believe your insurance should reflect that same commitment.
That’s why we don’t offer generic plans — we craft coverage tailored to your business needs. Backed by trusted carriers and guided by clear communication, we make sure you understand exactly what’s covered and why. From your first quote to claim support, our team stands beside you every step of the way.
With DAP Insurance Agency, you’re not just protected — you’re empowered to keep building your success with confidence and peace of mind.
Let’s simplify your insurance journey together — So you can enjoy peace of mind every day
Every smart plan starts with a simple chat.
Let’s talk through your needs and find the right fit together.
Get to Know Us Better
Behind every policy is a team built on trust and commitment. Discover who we are, what we stand for, and how we’re here to support you—every step of the way.