General Liability Insurance
Commercial general liability insurance covers third-party bodily injury, property damage, and personal injury claims against your business.
General Liability Insurance for Growing Businesses
Slip-and-fall injuries, damaged client property, and advertising disputes happen in every industry. General liability insurance is the foundation of most commercial insurance programs.
Remco Insurance Services compares general liability options nationwide so your limits satisfy leases, contracts, and risk transfer expectations.
What Is General Liability Insurance?
Commercial general liability (CGL) insurance pays for third-party bodily injury, property damage, personal and advertising injury, and related legal defense. It does not cover your own property, professional mistakes, or auto accidents, which require separate policies.
Policies are usually occurrence-based for bodily injury and property damage, while advertising injury may be claims-made depending on form edition.
GL Coverage Components
Core third-party protections most contracts require.
Bodily Injury
Guest or passerby injuries on your premises or from your operations.
Property Damage
Damage to others' property caused by your work or employees.
Products & Completed Ops
Claims arising from products you sell or work you have finished.
Personal & Advertising Injury
Libel, slander, copyright in ads, and similar offenses when covered.
Medical Payments
Prompt payment of minor medical bills without admitting fault.
Damage to Premises Rented
Fire damage to spaces you lease, within stated sublimits.
Why General Liability Is Non-Negotiable
Vendors, landlords, and municipalities routinely require certificates showing $1 million or higher per-occurrence limits. Without GL, you may lose bids or face personal exposure if a judgment exceeds assets.
We coordinate GL with umbrella, auto, and workers compensation so underlying limits stack correctly.
Frequently Asked Questions
Many contracts require $1 million per occurrence and $2 million aggregate. Higher-risk operations or large contracts may need more plus umbrella coverage.
No. Employee injuries are covered by workers compensation. GL covers third parties.
Your policy covers your legal liability for acts of subcontractors you hire, but contracts often require subcontractors to carry their own insurance and name you additional insured.
An endorsement extending certain coverages to a landlord or project owner. We issue these with certificates when required.
Products-completed operations are part of standard CGL, but manufacturers with significant product exposure may also need product liability limits.
Class codes, payroll or sales exposure, territory, claims history, and limits drive pricing. Accurate classification prevents audit surprises.
Get General Liability Coverage
Build a liability foundation with limits and endorsements tailored to your contracts and operations.