General Liability Insurance

General liability insurance is a foundational coverage for many businesses, offering protection against certain third-party claims that can arise during day-to-day operations.

This policy is designed to help your business manage the financial impact of claims such as bodily injury, property damage, and certain personal or advertising injuries.

What Is General Liability Insurance?

General liability insurance helps cover costs associated with claims made by individuals or organizations outside your business. Common covered claims include:

Bodily injury (e.g., a customer slips and falls at your premises)
Property damage (e.g., accidental damage to a client’s property during a service call)
Personal and advertising injury (e.g., claims of libel, slander, or copyright infringement)

In Michigan, general liability insurance is sometimes known as Commercial General Liability (CGL). This coverage aims to protect businesses from claims of bodily injury and the associated medical costs.

What Does General Liability Insurance Not Cover?

It’s important to understand that general liability insurance has defined limits and does not cover every risk a business may face.

For example, it typically does not cover:

Employee injuries (covered by workers’ compensation insurance)
Professional errors or omissions (covered by professional liability insurance)
Intentional acts or contractual liabilities, unless specifically endorsed

General liability insurance can be purchased as a standalone policy or as part of a Business Owner’s Policy (BOP), which may bundle it with other coverages.

How We Support Your Business

Our team works with you to assess your business’s unique risks and explore coverage options that fit your needs.

We partner with reputable insurance carriers to provide a range of solutions and help you make informed decisions about your insurance program.

Why Choose Mason-McBride?

As an independent agency, we prioritize building strong client relationships and delivering attentive customer service. We are committed to transparency and clarity, ensuring you understand your coverage options and the associated terms.

Get a Proposal Today

Ready to learn more about how general liability insurance can help protect your business? Contact us or complete the form below to get started.

Proposal Request Form

What would you like a Quote for?*
Name*
First Last
Phone*
Email*
Name of Business (if applicable)
Insured Location Address*
Street Address City State ZIP Code
What led you to consider Mason-McBride?*
- Internet Search/Website
- Facebook/Linkedin/YouTube
- Referred by Friend / Already A Client
- Other
Comments
This is not required, but if available, upload your current policy so we can see the coverage limits you'd like us to compare.
Max. file size: 98 MB.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Mason McBride is here and ready to make the process as painless as possible. We look forward to meeting you!

Request Proposal