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General Liability Insurance

Cover your risks. Grow your business.

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Spotlight on: General Liability Insurance

General liability insurance (GL) is designed to protect a business against financial losses resulting from claims of bodily injury, property damage, personal injury, like libel and slander, and advertising injury to others caused by a business or its employees.

General liability risk exposures come from a broad spectrum of sources, including accidents on your business premises, employment-related lawsuits and copyright infringement.

A general liability policy can even cover the cost of defending or settling a fraudulent or baseless claim in most cases. However, it will not cover a claim that falls under the scope of protection extended by a commercial auto or professional liability policy.

The Higginbotham Difference

At Higginbotham, we make caring for your business our business.

Grounded in your priorities and elevated in your opportunities, we work tirelessly to deliver insurance solutions others can’t.

Our seasoned business insurance specialists take the time to get to know your operation by name and nuance, to help make sure we are delivering coverage options tailored to your unique situation.

And our work doesn’t stop there.

Our Day 2 Services® team stands behind you every step of the way, giving you peace of mind and freeing you up to focus on your business.

Because while insurance is our something, our customers are our everything.

To learn more about how our values-based approach drives value for you and your business, click here.

Or visit our Insights page to learn more about your insurance options.



Ready to work with a partner who works as hard as you do?

Doing the work to design a general liability insurance plan that fits your needs can seem like a tall order. Not with us in your corner. With our nationwide network of insurance carriers and deep industry experience, we’ll get you the custom coverage you need.

Talk to a seasoned general liability insurance specialist.

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It’s about the services, we love giving great services, Higginbotham loves great services, and I just see that going on for decades to come. If its insured, it’s Higginbotham.

Vince P.
President of Sales and Marketing, Office Systems Industry

What can general liability cover?

In some cases, a GL policy can help protect a business owner from the cost of defending allegations of damage to a non-employee third party including, but not limited to:

Third-Party Property Damage

Privacy Rights Violations

Copyright Infringement

Malicious Prosecution

Advertising Injury

Wrongful Eviction

Bodily injury



Assuming a general liability claim falls within the scope of coverage outlined in the policy, GL can also help pay for:

Legal Defense

Settlements and Judgements

Repairs to or Replacement of Damaged Property

Medical Costs Resulting from a Third-Party Injury on Your Property

Who needs general liability insurance?

Most businesses would benefit from carrying general liability insurance.

In fact, this coverage is so crucial that carrying it is often mandated by law.

Considering that around 30% of all businesses in the United States are involved in an incident that could lead to a liability claim on a yearly basis, the importance of carrying GL comes into focus. When you add in to the equation that nearly 75% of U.S. businesses are underinsured, this coverage is even more crucial to consider.

In the absence of general liability, you will likely have to pay for damages out of pocket if you end up losing a lawsuit.

You should also consider the likelihood of other businesses refusing to work with uninsured partners. This concern is especially relevant in construction and specialized trade industries.

Some examples in which general liability coverage could end up helping your business include:

  • Property Damage Caused by an Employee at a Customer’s House or Business
  • Property Damage Caused by an Employee at Another Non-owned Location
  • Property Damage Caused to Rental Equipment
  • An Injury Sustained From a Slip and Fall on Your Property
  • An Injury Caused by a Product or Service You Sell
  • Reputational Damage Caused by Your Ads
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General Liability for Contractors

If you work as a general contractor, subcontractor or skilled tradesman on commercial projects, you are likely required to carry general liability coverage as a prerequisite to setting foot on the job site.

Even if you don’t do commercial work or have some coverage through the general contractor or property owner who hired you, commercial general liability insurance is often a wise investment. The last thing you want is to end up getting sued for an honest mistake or misunderstanding.

Talk to one of our construction insurance specialists today to find out what Higginbotham can do for your business.

Risk Management Services

At Higginbotham, we take a consultative approach to customer service and risk management.

Whether you have a single policy, a commercial package or many insurance policies covering multiple locations and risks, we take the time to understand your unique needs so we deliver the best coverage at the best price available.

But we don’t stop there.

Our work continues 365 days a year. We have a Day Two Services® team that works in tandem with our risk management specialists to deliver year-round value.

From help with compliance to safety audits and claims advocacy, our Day Two Services® team helps you mitigate risks, avoid costly claims and better position your operations so you can focus on what matters most: growing your business.

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Not sure where to start? Talk to someone who wants to listen.

Give one of our industry specialists a call today to find out what general liability insurance can do for you.

Talk to a General Liability Specialist

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