Coverage for the Risks Every Business Faces
From customer injuries to property damage, general liability insurance is one of the most essential protections for any business. We help businesses across Southern Illinois get the right liability coverage in place—so you can operate with confidence. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does General Liability Insurance Cover?
This insurance helps cover costs related to third-party bodily injuries, property damage, personal injury claims, and legal defense fees. If someone trips on your property or claims your advertising caused reputational harm, liability insurance helps pay for damages and legal costs. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why It Matters for Small Businesses
Whether you own a retail shop, offer professional services, or run a contracting business, you face liability risks every day. We’ll help you understand what coverage you need and what your policy protects.
Key Benefits of General Liability
Slip-and-Fall Coverage
Helps cover medical bills or lawsuits if someone gets injured at your location.
Damage to Others’ Property
Covers costs if your business accidentally damages someone else's property.
Personal & Advertising Injury
Protects against claims of libel, slander, or misleading advertising.
General Liability FAQs
Is general liability required by law?
Not always, but it’s often required by landlords, contracts, or licensing boards.
Does it cover employee injuries?
No, that’s what workers’ compensation is for. General liability covers third parties.
Can I bundle general liability with other policies?
Yes, it’s often included in a Business Owners Policy (BOP) for convenience.
How much coverage do I need?
We’ll help assess your risk and recommend coverage that fits your business and budget.