Commercial Insurance · The foundation of business protection
General Liability Insurance
Protect your business from third-party injury, property damage, and lawsuit costs.
General liability is the foundation of almost every business insurance program. It protects you when a customer is injured, when you damage someone else's property, or when you're sued over your products or advertising.
Many clients, landlords, and contracts require proof of general liability before you can work — we make getting the right limits and certificates simple.
What general liability insurance can cover
Bodily injury
Costs when a third party is injured in connection with your business.
Property damage
Damage you cause to someone else's property.
Products & completed operations
Claims arising from your products or finished work.
Personal & advertising injury
Libel, slander, and certain advertising claims.
Legal defense
Defense costs for covered claims, even groundless ones.
Who it's for
Contractors, retailers, restaurants, offices, and service businesses across Michigan.
Frequently asked questions
Do I need general liability if I work alone?
Often yes — a single claim can be costly, and many clients or landlords require it before you can start work. We can issue certificates of insurance quickly.
Related coverage
Commercial Package Insurance
A commercial package (CPP/BOP) combines property and liability — and more — into one flexible, often more affordable policy.
Learn moreProfessional Liability (E&O)
Professional liability (errors & omissions) protects service providers against claims of mistakes, negligence, or failure to deliver.
Learn moreWorkers' Compensation Insurance
Workers' comp covers medical costs and lost wages for work-related injuries — required for most Michigan employers and a shield against employee lawsuits.
Learn moreReady to protect what matters?
Get a free general liability insurance quote and clear guidance from an agent who works for you.