General Liability Insurance

Covers third‑party bodily injury, property damage, and advertising injury. Often required by landlords and clients.

What GL Covers

• Someone slips in your shop (medical bills, legal defense).
• Your worker damages a client’s property on‑site.
• Advertising injury (e.g., inadvertent libel).

Exclusions

• Professional advice (see E&O)
• Employee injuries (see WC)
• Your own property (see property coverage/BOP)

Certificates & Contracts

Ask for additional insured and primary/non‑contributory wording when required by clients.