Secure Your Business with General Liability Insurance

Protection against third-party injuries, property damage, and advertising claims

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General Liability Insurance for Small Businesses

General Liability Insurance shields your business from unexpected costs arising from customer injuries, property damage, or allegations of false advertising. At Peterman Insurance Services, our nurse-led expertise ensures you understand your policy’s scope and limits, so you can operate confidently and comply with contractual requirements.

Bodily Injury Protection

Covers medical expenses, legal fees, and settlements if a customer or visitor is injured on your premises.

Personal & Advertising Injury
Protects against claims of libel, slander, copyright infringement, and false advertising.

Property Damage Coverage

Pays for repair or replacement costs when your operations inadvertently damage someone else’s property.

Your General liability insurance Questions, Answered

Get concise answers to common General Liability Insurance questions—so you can choose the right coverage and avoid costly gaps.

It covers third-party bodily injury, property damage, personal and advertising injury, and medical payments—ensuring you’re protected from everyday liability exposures.

Any business that interacts with customers, clients, or vendors—retail stores, office-based professionals, contractors, and service providers all benefit from this essential coverage.

Insurers assess your industry classification, annual revenue, location, claims history, and chosen limits/deductibles to calculate your rate.

Yes—general liability typically includes product liability coverage, protecting you if a product you manufacture, distribute, or sell causes bodily injury or property damage. For higher-risk products, you may consider a dedicated Product Liability policy or higher limits.

Common limits are $1 million per occurrence and $2 million aggregate. Higher-risk businesses may require increased limits or an umbrella policy for extra protection.

Yes—combining with Property Insurance, Workers’ Compensation, or Cyber Insurance often qualifies you for multi-policy discounts and simplifies management.