General Liability Insurance: Protect Your Business Exposure

General Liability Insurance in Lafayette, Indiana

General liability insurance protects your business if a customer, vendor or other member of the public claims your business injured them or damaged their property. It’s the foundation of most business insurance plans, and many landlords, clients and contracts require it. We help small businesses across Lafayette, West Lafayette and Indiana find general liability coverage that fits their work and their budget.

What general liability covers

• Bodily injury – for example, a customer slips and falls in your shop or office
• Property damage – you or your employees damage a customer’s property while working
• Products and completed operations – claims caused by a product you sell or work you’ve finished
• Personal and advertising injury – claims like libel, slander or copyright issues in your advertising
• Legal defense – attorney fees and court costs to defend covered claims
• Medical payments – smaller medical bills for people hurt at your business, regardless of fault

What general liability doesn’t cover

General liability doesn’t cover injuries to your own employees (that’s workers’ compensation), your business vehicles (that’s commercial auto), your own building and equipment (that’s commercial property), or mistakes in professional advice (that’s professional liability). Many small businesses save by combining general liability and property coverage in a business owners policy (BOP).

Who needs general liability?

Almost every business with customers, a location or employees who work at other people’s properties. That includes retail shops, restaurants, offices, salons, cleaning services, contractors and home-based businesses. Contractors often need specific limits and additional insured wording for their contracts.

General liability FAQs

How much general liability do I need?

Many small businesses carry $1 million per occurrence and $2 million aggregate, which is a common contract requirement. If you need more, a commercial umbrella adds higher limits affordably.

Does my home-based business need its own policy?

Often, yes. Homeowners policies usually provide little or no coverage for business activities. We can tell you whether an endorsement or a separate policy is the right fit.

How do I get a quote?

Call or text 765-474-2300. We’ll ask about your business, revenue, payroll and locations, then compare several companies for you. See all of our business insurance options.