Third-party bodily injury
Consider how customers, visitors and the public interact with operations.
BUSINESS PROTECTION
General liability
General liability addresses certain third-party injuries, damage to others’ property and claims arising from operations. It does not replace every policy a business may need.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection against certain third-party claims related to your business operations.
Damage to others' property
Explain when work takes place on other people’s property.
Defense of covered claims
Ask which defense costs apply to a covered claim.
A situation to consider
A contractor working at a customer’s property should review the actual work performed and the limits requested in the contract.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- What work do you do and where?
- What limits do customers or landlords require?
- Do professional, vehicle or employee risks call for separate coverage?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Description of operations and locations
- Sales, payroll and employees if relevant
- Value of relevant property, equipment or vehicles
- Contracts with insurance requirements
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
BUSINESS
Business owners policy (BOP)
A package for eligible businesses that combines several protections in one policy.
Learn more ↗
BUSINESS
Professional liability (E&O)
Protection against claims alleging errors or omissions in professional services.
Learn more ↗
BUSINESS
Commercial umbrella & excess
Additional limits above specified business liability policies.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.