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What Is General Liability Insurance Coverage?

Commercial general liability insurance provides coverage for many of the most common losses that small businesses can experience. With the right general liability insurance, your business will be protected from claims of bodily injury and property damage, including:

Bodily Injury

Helping cover medical expenses for a customer injured while visiting your business

Property Damage

Coverage to repair or replace broken items if you damage a customer’s property

Advertising Injury

Helping pay legal expenses to defend your business from copyright infringement claims

Reputational Harm

Protecting your business against claims of libel, slander and other harmful lawsuits

Rental Property

Property damage protection for any premises rented to your business

While business liability insurance provides important protection, it’s important to remember that not every situation is covered such as professional errors, employee injuries, and discrimination lawsuits. For example, while your policy will help pay for medical bills in the event a customer slips and falls, it will not protect against employee injuries. View our other business coverages, and speak to an insurance agent to help you select the right coverages and endorsements for your situation.

Who Needs Business Liability Insurance?

General liability insurance coverage is great for any small business, but is ideal for those who:

  • Rent or own a physical location for their business
  • Have customers or other visitors on-site
  • Want to manage risks associated with their business

Find an independent agent today to get your general liability insurance quote.

General Liability Insurance Coverages

You deserve insurance products designed with your unique needs in mind. Main Street America Insurance recognizes the hard work you’ve put into growing your business, and we’re proud to offer highly customizable coverage to help you protect your investment.

Business Income and Extra Expense

Covers continuing expenses for 12 months after a loss

Contractors Extension Endorsement

Extended coverage options for professional services

Enhanced Inland Marine Option

Endorsement with higher limits and added flexibility

Hired and Non-Owned Auto Liability

Accident coverage for non-owned business vehicles

Contractors E&O

Coverage for claims of negligence and other errors

Property Enhancement Endorsement

An optional endorsement that broadens your coverage

Protecting Your Business From Cybersecurity Threats

In our increasingly digital world, an important coverage to consider is cyber insurance. With a cyber insurance policy, your business will be protected in the event of identity theft, a data breach or other cybersecurity threats. Cyber coverage is an optional coverage that can be easily added to your business insurance portfolio and is designed to:

  • Repair or replace sensitive data through backup and recovery
  • Notify customers after a breach
  • Cover fraud monitoring and identity restoration costs
  • Help with legal expenses
  • Repair damaged computer systems

Why Choose an Independent Agent


Insurance agents know you and your local community better than anyone else. By choosing an independent insurance agent, you’re working with a partner uniquely prepared to protect businesses with the right combination of coverage, service and regional expertise.