Solutions
General Liability
Covers injuries and property damage tied to your business premises and operations, outside of driving.
What It Is
General liability covers claims that someone was injured or their property damaged because of your business premises or operations. It’s the coverage for the parts of your business that aren’t on the road: your office, yard, terminal, shop, or warehouse, and the work you do there.
What It Typically Covers
- Injuries to visitors, customers, or vendors at your locations
- Damage to other people’s property caused by your operations
- Claims arising from work you’ve completed or products you’ve handled, depending on the policy
- Legal defense against covered claims
Common Gaps to Watch For
- Vehicle accidents are excluded. Anything involving your trucks or autos belongs to auto liability.
- Your own employees’ injuries belong to workers’ compensation.
- Professional mistakes, like a broker’s billing or routing error, usually need errors and omissions coverage.
- Your own property and freight in your care need property, cargo, or warehouse coverage.
Who Usually Needs It
Nearly every business with a location, visitors, or contracts. Shippers, brokers, landlords, and facilities you deliver to commonly require proof of general liability, and often ask to be named as additional insureds.
What Underwriters Consider
- The type of operations and locations
- Revenue or payroll, depending on the market
- Your claims history
- Contract requirements, such as additional insureds
- Safety practices at your locations
Questions to Ask
- Do my contracts require additional insured status or specific limits?
- How does my policy treat loading and unloading at customer sites?
- Is my auto exposure properly covered elsewhere?
- Do I need products and completed operations coverage?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
If You Win, We Win.
Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.