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General Liability Insurance (GL) policies protect against negligence claims from clients, employees, vendors, contractors or others. GL policies cover general liability, bodily injury, property damage, personal injury, advertising injury, liquor liability, and contractual liability, loss of services, public liability, products-completed operations and employers.
GL policies include coverage for the cost to defend and associated expenses, costs for judgments or settlements from a covered claim and associated medical costs for claimants. GL policies usually start with split limits as low as $1,000,000 single occurrence and $2,000,000 aggregate for any covered loss.
GL coverage can be part of a Business Owner Policy (BOP) or purchased as part of a Commercial Package Policy or as stand-alone coverage depending on the situation and business need.
TWFG represents a number of companies that offer GL coverage. It is important that the policy and coverage you select matches your business needs. By working with an experienced TWFG agent you can avoid gaps in coverage and determine which company and policy is right for your business.