General Liability Insurance
Every business, no matter the size, faces risks that could lead to costly lawsuits or claims. General liability insurance helps protect your company from the financial impact of property damage, bodily injury, and legal expenses. At The Mackrides Insurance Group, we work with businesses across Pennsylvania to build coverage that fits their unique operations and budget.
Do I Need General Liability Insurance?
If your business interacts with customers, vendors, or the public, general liability coverage is essential.
Covers Legal Costs
Lawsuits can be expensive, even if you're not at fault.
- Pays for attorney fees and court costs
- Covers settlements or judgments
- Helps protect your company's reputation
Protects Against Injuries
Accidents happen, especially if customers visit your premises.
- Covers medical expenses for injuries on-site
- Protects against slip-and-fall claims
- Extends coverage to off-site work
Covers Property Damage
If your work damages someone else's property, liability insurance has you covered.
- Pays for repairs or replacement
- Covers both customer property and rented spaces
- Helps avoid out-of-pocket expenses
Meets Contract Requirements
Many clients and landlords require proof of general liability insurance.
- Keeps contracts valid and enforceable
- Helps you secure new business opportunities
- Often combined with property coverage in a BOP
A general liability policy typically includes:
What Does General Liability Insurance Cover?
Bodily Injury Liability
Covers medical bills and legal costs for injuries.
Property Damage Liability
Protects against accidental damage to property.
Personal & Advertising Injury
Covers claims of libel, slander, or copyright infringement.
Legal Defense Costs
Pays for attorney fees and court costs.
Understanding General Liability Insurance Options
We customize liability coverage to match your business needs:
- Standard Coverage Limits - Starting at $1 million, with higher options available.
- Combined Policies - Pair liability with property insurance for total protection.
- Industry-Specific Options - Tailored policies for contractors, retailers, and offices.
- Umbrella Policies - Add extra coverage beyond your base liability limits.
Frequently Asked Questions
Is general liability insurance required by law?
Not always, but most commercial leases and contracts require it.
Does general liability cover employee injuries?
No, employee injuries are covered under workers compensation insurance.
What businesses need general liability insurance?
Any business that deals with customers, clients, or the public should have it.
Can I combine liability with other coverages?
Yes, many businesses save by bundling general liability with property insurance.
What doesn't general liability cover?
It won't cover professional mistakes, employee injuries, or damage to your own property.
