Good business starts with better protection.
Protect your business against covered third-party bodily injury, property damage, personal injury and advertising injury claims.
Multiple Markets
We compare standard and specialty options for a wide range of business classifications.
Contract-Ready Coverage
Add eligible certificate holders, additional insureds and waivers when required.
24/7 Certificates
Access proof of insurance through the MAS insured portal whenever your customers request it.
Protection for the risks that come with doing business.
Commercial general liability insurance helps protect your company when a customer, visitor or another third party alleges that your business caused injury, property damage or certain personal and advertising injuries.
Coverage may help pay eligible legal-defense expenses, medical costs, settlements and judgments, subject to the policy’s limits, exclusions and conditions.
What affects your premium?
Business classification and operations
Annual gross sales
Employee and subcontractor payroll
Location and territory
Prior insurance and claims history
Coverage limits and endorsements
Coverage designed for everyday business exposures.
A general liability policy can respond to several common categories of third-party claims.
Bodily Injury
Helps protect your business when a third party alleges that your operations caused a covered physical injury.
Example: A customer slips at your premises.Property Damage
Helps cover eligible damage your business causes to property belonging to a customer or another third party.
Example: A contractor damages a customer’s flooring.Personal & Advertising Injury
May help protect against covered allegations such as libel, slander and certain advertising-related injuries.
Example: A competitor alleges advertising harm.Products-Completed Operations
Helps address covered injury or damage that arises after a product is sold or contracted work has been completed.
Example: Completed installation causes later damage.Medical Payments
May provide limited payment for eligible medical expenses when a third party is injured at your business.
Coverage applies regardless of fault in some situations.Legal Defense
Helps pay eligible attorney fees and court expenses when the insurer defends your business against a covered claim.
Defense terms vary by policy and carrier.Tailored to fit your type of business.
We provide general liability options for contractors, service businesses, retail operations, property owners and many other commercial risks.
Construction Contractors
Programs for general contractors, roofers, carpenters, framers, drywall installers and trade subcontractors.
- Residential and commercial work
- New construction and remodeling
- Project-specific requirements
Janitorial Services
Coverage for residential cleaning, commercial janitorial, pressure washing and property-maintenance businesses.
- Interior cleaning
- Floor and window services
- Commercial maintenance
Wholesale & Industrial
Options for manufacturers, warehouses, distributors, farms and nursery or plant-sales operations.
- Premises liability
- Products liability
- Distribution exposures
Shops & E-Commerce
Coverage for storefronts, online sellers, offices, multi-location retailers and eligible product exposures.
- Customer premises exposures
- Products and completed operations
- Multiple-location options
Lawn Care & Landscaping
Programs for lawn maintenance, landscape design, tree trimming, paver installation and outdoor services.
- Residential and commercial work
- Equipment-related exposures
- Completed operations
Trade Contractors
Coverage for electricians, plumbers, HVAC contractors, painters, tile installers and handyman operations.
- Service and installation work
- Subcontracted operations
- Contract-required endorsements
Auto Service Businesses
Options for repair shops, tire stores, mobile mechanics, detailers and other automotive service operations.
- Premises and operations
- Customer interactions
- Garage-related options available
Childcare & Education
Coverage options for eligible daycare centers, tutoring businesses, learning centers and youth programs.
- Premises liability
- Participant exposures
- Optional professional coverages
Offices & Service Providers
Protection for consultants, offices, service providers, property managers and administrative businesses.
- Premises liability
- Client visits
- Hired and non-owned auto options
The endorsements your customers and job sites request.
Contracts frequently require more than a basic certificate. Our team can help review eligible additional-insured, waiver and primary-and-noncontributory requirements.
Properly manage your subcontractor exposure.
Contractors who use subcontractors should maintain complete records and verify that each subcontractor carries appropriate insurance. Uninsured subcontractor costs may be included in the policy’s final audit or affect coverage.
Correct Classification
The carrier must understand every operation your business performs. Undisclosed work can create audit, pricing or coverage issues.
Accurate Exposure Reporting
General liability premiums may be based on sales, payroll, subcontractor costs, area or another exposure basis.
General liability coverage in three simple steps.
Tell us about your business and we will help identify suitable markets, limits and endorsements.
Tell Us About Your Business
Provide your operations, experience, revenue, payroll, subcontractor costs, locations and coverage requirements.
Start your quote →Compare Available Options
We review eligible markets and compare limits, deductibles, exclusions, endorsements and pricing.
Review & Bind
Select your policy, complete the required documents and access proof of insurance through the insured portal.
Affordable options. Protection with value.
Starting-price examples are for illustration only. Actual premiums depend on your business and underwriting profile.
Coverage for eligible trade and service contractors.
Prices may start near
- Meet contract requirements
- Third-party injury protection
- Property-damage protection
- Certificate access
Coverage for eligible retail and service businesses.
Prices may start near
- Meet landlord requirements
- Premises-liability protection
- Medical payments
- Eligible legal-defense costs
Protection for eligible warehouses and manufacturers.
Prices may start near
- Premises and operations
- Products liability options
- Legal-defense protection
- Higher-limit options
*These amounts are examples and are not guaranteed quotations. Premiums vary based on classification, revenue, payroll, subcontractor costs, location, limits, prior coverage, claims history and other underwriting factors.
General liability does not cover every business risk.
A complete commercial-insurance program may require additional policies based on your employees, vehicles, professional services, property and contracts.
Employee Injuries
Work-related employee injuries are generally addressed through workers’ compensation insurance.
Workers’ Compensation →Professional Errors
Advice, design mistakes and professional negligence generally require professional liability coverage.
Professional Liability →Commercial Vehicles
Vehicles used for business usually require a commercial auto policy rather than general liability.
Commercial Auto →Business Property
Buildings, tools, equipment, inventory and furniture generally require commercial property coverage.
Property Insurance →Cyber Incidents
Data breaches, ransomware and privacy events generally require cyber-liability insurance.
Cyber Insurance →Higher Liability Limits
Larger contracts may require excess or commercial umbrella liability above the primary policy.
Excess Liability →What we may need to quote your business.
Complete information helps carriers classify your business correctly and return more accurate coverage terms.
Start My QuoteBusiness Details
Legal name, address, ownership, years in business and a complete description of operations.
Revenue
Estimated annual gross sales, including projected revenue for a new business.
Payroll
Annual employee payroll divided by work performed and business classification.
Subcontractor Costs
Estimated annual subcontractor costs and proof of insurance for insured subcontractors.
Loss Runs
Prior carrier loss reports showing claims reported during previous policy periods.
Contract Requirements
Required limits, additional-insured wording, waivers and other requested endorsements.
Ready to compare general liability options?
Start your quote online or call our licensed team at (305) 428-2005.
General liability questions, answered.
Our team can help you review your operations, contract requirements and policy options.