General liability insurance (GLI), also known as commercial general liability insurance (CGL), is a foundational policy for businesses. It protects you against financial losses due to property damage, bodily injury, or personal and advertising injury that your business operations, products, or employees might have caused.
Whether you're a small business owner or managing a large enterprise, GLI ensures you're covered for unexpected incidents that could otherwise lead to significant financial strain.
A comprehensive general liability insurance policy typically includes:
The amount of coverage depends on your industry, business size, and risk exposure. Most small businesses opt for coverage that goes between $1 million and $2 million. However, high-risk industries like construction may require higher limits.
While GLI offers broad protection, it excludes:
When comparing quotes, you should consider:
Umbrella insurance provides additional coverage when your GLI policy limits are exceeded. It's essential for businesses with high liability risks, such as those in construction or manufacturing, or those frequently interacting with the public.
To file a claim, insurers typically require:
Having these documents ready ensures a smoother claims process.
At Edify Brokers, we specialize in tailored insurance solutions for businesses of all sizes. Our team helps you navigate complex insurance terms and find the right coverage. We help you compare policies from top insurers to get the best value for almost every insurance policy whether it’s general liability or umbrella insurance.
Our job doesn’t end there. Our dedicated support ensures quick and hassle-free claims.
Feature | Coverage |
Bodily Injury | Covers medical expenses for injuries caused by your business operations. |
Property Damage | Protects against damages to third-party property. |
Personal & Advertising Injury | Covers claims like libel, slander, and copyright infringement. |
Medical Payments | Pays for non-employee injuries on your premises, regardless of fault. |
Filing a claim under your long-term health insurance policy is simple:
Edify assists employees and HR teams with end-to-end claim support, ensuring quick, transparent resolutions.
Contact Edify Brokers today to get a personalized quote for your general liability insurance. Let us help you secure your future with confidence!
