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General Liability Insurance

Protect your business from financially impactful claims

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What is general liability insurance?

General liability insurance protects your business in the event someone makes a claim against it for injury to people or damage to property. On a daily basis, your company touches the lives of many people, including contractors, clients, customers and the general public. And at any given point, one or several of these people could claim that your business has caused them bodily injury or property damage and bring a lawsuit against it. Your business may be exposed to the costs of defending itself against the lawsuit as well as any damages it is legally obligated to pay. Having a general liability policy in place can mean the difference between keeping the doors open or going out of business when you face unforeseen circumstances.

Typically, general liability policies provide: 

  • Premises liability coverage, which offers protection against the costs of bodily injury or property damage arising out of your business property. 
  • Products liability coverage, which offers protection against the costs of bodily injury or property damage caused by your products or services. 
  • Personal and advertising injury liability coverage, which offers protection against the costs of injury caused by certain offenses arising out of your business, including slander, libel, wrongful eviction, copyright infringement in your advertisement and more. 
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What does general liability insurance cover?

Travelers general liability insurance covers a variety of claims for damages that can result from: 

  • Bodily injuries that happen on your property, such as those from slips or falls.

  • Bodily injury or property damage to a third party caused by your work, your products or your employees' activities. 

  • Liability of others assumed in specifically defined contracts. 

  • Libel, slander or business disparagement. 

  • Copyright infringement in your advertisement. 

What is general liability insurance?

Who is general liability insurance right for?

If it's possible that someone could claim bodily injury or property damage due to your business operations, your employees' actions or your services or products, you should have general liability insurance. Travelers offers options that protect against the unique risks of businesses in a wide range of industries. 

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Travelers business owners policy (BOP) for small businesses

The broad protection of a Travelers business owner's policy (BOP) includes:

Commercial general liability

Commercial property insurance 
Helps protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. 

Business income and extra expenses (BIEE) 
Provides coverage when your business shuts down temporarily due to a fire or other covered loss. It helps replace your income and covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced. 

Who is Travelers BOP right for?

Travelers BOP is built to protect many types of small businesses. This includes: 

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Commercial general liability insurance FAQs

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Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

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