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General Liability Insurance

General Liability Insurance Everyday Protection for Everyday Risks

Shield your business from lawsuits, accidents, and costly third-party claims whether you’re running a shop, a service firm, or a global startup.

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Overview

What Is General Liability Insurance?

General Liability Insurance is the foundational coverage every business needs. It protects you if a customer slips on your premises, if you damage someone’s property during work, or if you’re sued for advertising or reputational harm.

Whether you lease an office, attend client sites, or interact with the public, general liability ensures one accident doesn’t jeopardize your business future.

What’s Covered

What Does General Liability Cover?

1
Bodily Injury
If a customer, vendor, or visitor gets injured at your place of business or due to your operations.
2
Property Damage
Coverage if you accidentally damage someone else’s property during a job or project.
3
Legal Fees & Defense
We’ll help cover court costs, legal representation, and settlements in covered claims.
4
Personal & Advertising Injury
Coverage for claims of slander, libel, copyright infringement, or misrepresentation in ads.
5
Medical Payments
Quick payment for minor injuries without needing a lawsuit.

 Not Covered : Employee injuries (use Workers’ Comp), auto accidents (use Commercial Auto), or professional advice errors (see E&O Insurance).

Who Needs General Liability Insurance?

Is This Coverage Right for You?

Absolutely especially if you:
Popular with:
  • Own or lease a physical space
  • Serve customers or clients face-to-face
  • Work at client locations
  • Advertise your services online or offline
  • Exhibit at trade shows or public events
  • Retail stores & restaurants
  • Freelancers and consultants
  • Contractors & tradespeople
  • Event vendors & planners
  • Online businesses with product handling
Example Scenarios

Real-World Examples

  • A customer trips on a loose floor tile in your shop and breaks their wrist.
  • A contractor knocks over an expensive sculpture at a client’s office.
  • Your marketing agency is sued for using a copyrighted image without permission.

Without coverage        : You’re paying legal fees and damages out of pocket.
With GlobalPayGuard : You’re protected — quickly and fairly.

Why Choose GlobalPayGuard for General Liability?

The GlobalPayGuard Advantage

Global protection with regional expertise

Fast, online quote process often same-day coverage

Dedicated claims team with 24/7 multilingual support

Bundle with property, cyber, or refund assurance for a full-risk package

Scalable coverage from startups to large enterprise

How It Works

Getting Covered Is Simple

  • Answer a few questions about your business operations
  • Choose your coverage limit (standard or customized)
  • Receive a personalized quote within minutes
  • Start your policy and stay protected

We also offer proof of insurance (COI) instantly after sign-up — perfect for vendors and lease agreements.

FAQs

Is general liability required by law?
Not always, but it’s often required for commercial leases, contracts, and permits. Many clients also require it to work with you.
How much coverage do I need?
Most businesses opt for $1M–$2M in coverage. We help tailor it based on your risk level and industry.
Can I combine this with other insurance?
Yes — we recommend bundling it with Property, BOP, or Workers’ Comp for full protection.
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Ready to Protect Your Business?

Don’t wait until there’s a lawsuit. Let’s get you covered today.

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