What is general liability insurance?
General liability insurance protects your business from third‑party claims, including bodily injury, property damage, personal and advertising injury, and products/completed operations.
Who needs general liability insurance?
Any business that interacts with customers, offers products or services, leases space, or signs contracts requiring proof of coverage — contractors, caterers, landscapers, photographers, and many more.
Is general liability required by law?
Not normally by statute, but it is often required by contracts with clients or landlords and is highly recommended to protect your business.
Does general liability cover theft?
No. GL covers liability to third parties. For theft of your business property, look to property insurance or a Business Owners Policy (BOP).
Does GL cover employee injuries?
No — employee injuries are generally covered by workers' compensation policies.
How much does general liability insurance cost?
Premiums vary by industry, location, revenue, claims history, limits, and deductibles. Example figures used in our charts: median ~$60/month and average ~$85/month (illustrative). Contact
Trans‑Atlantic Commercial Insurance for an exact quote.
What limits should I choose?
Many clients request $1,000,000 per occurrence / $2,000,000 aggregate as a baseline. Choose limits that match your contract needs and exposure — we can advise.