Commercial Insurance
General Liability Insurance
The foundation of business protection, covering third-party injury, property damage, and the lawsuits that follow.
General liability is a core coverage for most businesses. It can respond if a customer is injured on your premises, if your operations accidentally damage a client's property, or if you face a covered personal or advertising injury claim. It's also frequently required by landlords and clients in leases and service agreements.
Before presenting options, we take time to understand how you operate and what your contracts call for. Then we recommend carriers and policy forms designed to address your exposures and contract requirements.
What General Liability Insurance typically covers
Bodily Injury & Property Damage
Covers third-party injuries and damage you're legally responsible for, for example, the classic 'customer slips and falls' claim.
Products & Completed Operations
Protects you against claims arising from your products or finished work after the job is done.
Personal & Advertising Injury
Helps cover certain offenses such as libel, slander, or advertising injury.
Legal Defense Costs
Pays to defend your business, including attorney fees and court costs, even when a claim turns out to be groundless.
Related coverage
Common questions
Is general liability insurance required in Arkansas?
Arkansas doesn't mandate it for most businesses, but your clients, landlords, and contracts almost certainly will. A certificate of insurance is routinely required before you can start work or sign a lease.
What's the difference between general liability and a BOP?
General liability covers third-party claims only. A Business Owners Policy (BOP) bundles that same liability coverage with property insurance for your building and contents, usually at a better price than buying each separately. For many small businesses, a BOP is the smarter starting point.
How fast can I get a certificate of insurance?
For existing clients, usually the same business day. Just contact your local office or use our online service request, and we'll get the certificate to you and whoever needs it.
Ready to protect what matters with the right general liability coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.