General liability (GL) protects your business when a customer, visitor, or client says you caused an injury or damaged their property. Gatson Life & Financial Group shops it for small businesses and contractors nationwide.
Medical costs and legal claims if someone outside your business is hurt at your location or because of your work.
Damage you or your work cause to someone else's property, like a client's floor, wall, or equipment.
Claims such as libel, slander, or accidentally using someone else's advertising idea. Details vary by policy.
Attorney fees and court costs to defend a covered claim, even if the lawsuit has no merit.
Exact exclusions vary by carrier and policy. We'll walk through yours before you buy.
Most GL policies are written on an occurrence basis: they cover incidents that happen during the policy period, even if the claim is filed later. Claims-made policies cover claims filed while the policy is active. Which you're offered varies by carrier.
Your policy has a per-occurrence limit (the most paid for one incident) and an aggregate limit (the most paid during the policy term). Many contracts specify both, so check what your clients require.
Your industry and the risk of your work, revenue or payroll, location, claims history, limits, and deductible. Prices vary by carrier and state.
Contractors are often asked for a certificate of insurance and to add the client or general contractor as an additional insured. Some policies also include completed-operations coverage for work you've already finished.
It's not required by law for most businesses, but many clients, landlords, and general contractors require it before you can work. If you deal with the public or work at other people's property, it's usually a smart foundation.
There's no single price. It depends on your industry, revenue or payroll, location, claims history, and the limits you choose. Rates vary by carrier and state, so a quote is the only real answer.
Contracts vary. Many specify a per-occurrence limit and a general aggregate limit, and some also ask for additional insured status. Send us the insurance section of your contract and we'll match it.
Occurrence covers incidents that happen while your policy is active, no matter when the claim is filed. Claims-made covers claims filed while the policy is active, which can require extra coverage if you cancel. Availability varies by carrier.
No. Employee injuries are covered by workers' compensation, not general liability.
No. General liability covers damage to other people's property. Your own tools are usually covered by inland marine (tools and equipment) or commercial property coverage.
Often yes, if clients visit or you work at their locations. Homeowners policies usually exclude business activities, so don't rely on them.
Once your policy is active, certificates can usually be issued quickly. Timing depends on the carrier.
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