Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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General Liability
Third-party injury, property damage and advertising injury claims against your business.
What this cover does
General liability is the base layer of commercial cover and the one your contracts will ask for by name. It answers claims brought by people outside your business — customers, visitors, passers-by and the owners of property you damage.
Typically included
- Bodily injury to third parties on or off your premises
- Property damage you cause to someone else’s property
- Products and completed operations liability
- Personal and advertising injury including libel and slander
- Legal defence costs, generally outside the limit
- Medical payments regardless of fault
Common add-ons
- Additional insured endorsements for landlords and clients
- Waiver of subrogation where a contract requires it
- Primary and non-contributory wording
- Higher per-occurrence and aggregate limits
- Commercial umbrella above the base limit
Questions
What people ask about general liability
My client wants a certificate naming them. What does that mean?
They want to be an additional insured, so your policy responds to claims arising from your work for them. It is an endorsement we add, and we issue the certificate the same day.
Does it cover work I did badly?
It covers resulting damage, not the cost of redoing faulty work. Claims about the quality of professional advice or services fall under professional liability instead.
Often taken together
Related cover
Commercial Property
Buildings, contents, stock and equipment against fire, theft and weather.
Read more →Quote General Liability
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.