BIOISLLC
General Liability
General Liability Insurance protects your business if you are legally responsible for injury, property damage, or advertising mistakes.
It helps cover lawsuits, medical expenses, and legal defense costs.
Most landlords, clients, and contracts require General Liability coverage before allowing you to start work.
What Does General Liability Cover?
What Does General Liability Cover?
1. Bodily Injury
Covers medical bills and legal costs if someone is injured because of your business.
Example:
A customer slips and falls at your store or job site.
2. Property Damage
Pays for damage you cause to someone else’s property.
Example:
You accidentally damage a client’s wall, floor, or equipment.
3. Personal & Advertising Injury
Covers claims related to:
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Libel or slander
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Copyright issues
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False advertising
4. Legal Defense Costs
Covers attorney fees and court costs, even if you are not at fault.
Who Needs General Liability Insurance?
Most businesses need it, including:
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Contractors
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Cleaning companies
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Electricians & plumbers
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Landscaping companies
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Restaurants
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Retail stores
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Consultants
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Small business owners
If you interact with customers, clients, or the public — you likely need it.
What is NOT Covered?
General Liability does NOT cover:
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Employee injuries (Workers’ Compensation needed)
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Professional mistakes (Professional Liability needed)
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Auto accidents (Commercial Auto needed)
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Damage to your own property (Commercial Property needed)
What Affects the Cost?
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Type of business
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Annual revenue
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Number of employees
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Claims history
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Coverage limits
We help you find the right protection at a competitive price.