General Liability Insurance
Protection for Your Business

Everyday Risk Protection

General liability insurance (CGL) is the core policy most businesses need. It covers claims for third-party bodily injury (like slip-and-fall accidents), property damage, and personal/advertising injury (such as libel or copyright). Gateway Insurance can offer coverage that fits business risks, whether you run a shop, restaurant, contracting crew, or office.

Key Protections

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Bodily Injury

Coverage if a customer or visitor is hurt at your location or jobsite.

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Property Damage

Covers accidental damage to others' property caused by your business operations.

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Products & Completed Operations

Coverage for harm caused by products you sell or work you've finished (subject to policy wording).

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Personal & Advertising Injury

Includes libel, slander, copyright, and related claims.

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Legal Defense

Covers the cost of defending your business in covered lawsuits-even if the claim is groundless.

Coverage for Contractors, Retailers, Restaurants & More

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Contractors and trades needing jobsite liability and COIs

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Retail stores, salons, gyms-foot traffic, slip-and-fall risk

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Restaurants and coffee shops-customer accidents and property claims

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Office-based businesses-client visits and advertising/personal injury risks

Any business with public interactions, jobsite work, or contract requirements should carry general liability insurance.

Certificates of Insurance (COI)

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Many vendors, landlords, and clients require proof of liability (COI) before work starts or leases begin

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We can review your contracts and help you determine the coverage and endorsements you need and what's required.

Liability Coverage

From winter slip risks on Main Street to mishaps at construction job sites, businesses face risks everyday concerning liability exposures. Gateway's local team understands foot traffic, project work, deliveries, and regional contracts, we can help you with the coverage you need tailored for your business.

General Liability Insurance-Questions Answered

  • What does general liability insurance cover?

    Third-party injury, property damage, personal/advertising injury, and defense costs-core protection for most businesses.

  • Do I need general liability for an LLC?

    Yes-most LLCs and corporations need CGL for contracts, leases, or vendor requirements.

  • How much general liability insurance do I need for contracts?

    Depends on your industry, client, and contract-Gateway will review the requirements and help you determine what the policy limits and endorsements you would need.

  • Does general liability cover subcontractors?

    Some policies may extend to subs, but most require subs to carry their own liability-ask Gateway for the right setup.

Get the Liability Coverage
you need!

Don't risk a lawsuit or missed contract. Gateway Insurance has multiple carriers available, and we can explain the endorsements you might need, and we can also do the COIs, so your business stays protected and job-ready.