General Liability Insurance in New York State for Everyday Business Risks

Protect Your Business From Accidents, Injuries & Lawsuits
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Why General Liability Insurance Matters in New York

Even small incidents can lead to big costs. Whether someone trips on your steps, claims you damaged their property, or sues over advertising, general liability insurance helps cover medical bills, legal fees, and settlements. We help businesses across the state get the protection they need to operate with confidence.

Three Ways We Help
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Affordable, Straightforward Liability Coverage for Local Businesses

1. Slip, Trip & Fall Protection
If a customer or visitor gets injured on your property, general liability helps cover medical costs and protects you against lawsuits-even if you rent your space.

2. Property Damage Coverage
Accidentally damage a client's belongings while working at their location? This coverage helps pay for repairs or replacements so your business reputation stays intact.

3. Legal Support When You Need It Most
From court costs to attorney fees and settlements, general liability can help protect your business from the financial impact of lawsuits-whether they're valid or not.

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What's Typically Covered

  • Third-party bodily injury (e.g. slips & falls)
  • Third-party property damage
  • Legal fees & settlements
  • Medical payments
  • Product liability (optional)
  • Advertising injury (e.g. slander, copyright claims)
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Common Add-Ons & Options

Additional Insured Endorsements - Required if you work with landlords, contractors, or government entities

Products-Completed Operations - Covers liability after a job is finished

Employment Practices Liability (EPLI) - Covers wrongful termination or discrimination claims

Liquor Liability - Required if you serve or sell alcohol

Cyber Liability - For online businesses or those storing sensitive customer info

Who Needs This Coverage?

Almost every business does. Whether you own a storefront, work on job sites, or meet with clients in their homes, general liability protects you from the unexpected.

Local Risks to Consider

  • Customer injuries in retail or office spaces
  • Property damage while working in client homes
  • Lawsuits tied to social media or advertising
  • Slips or falls on icy sidewalks during winter
  • Contract-required insurance for government bids or leases
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FAQs

  • Is general liability insurance required by law?

    Not in New York-but many landlords, clients, and job contracts require it. Even if not required, it's one of the most important policies a business can carry.

  • Does it cover my employees?

    No-general liability covers third-party injuries. For employee injuries, you'll need workers' compensation coverage.

  • How much coverage do I need?

    We typically recommend $1M per occurrence and $2M aggregate, but it depends on your risk profile and industry. We'll help you choose what's right.

  • Will this cover me if I sell products?

    Yes, if you include product liability coverage. It protects you from claims related to injuries or damage caused by the products you sell or distribute.

  • Can I bundle this with other policies?

    Absolutely. Many small businesses combine general liability with commercial property in a Business Owner's Policy (BOP) for better value and coverage.

Let's Protect What You've Built

You've worked hard to grow your business. Let's make sure one accident doesn't undo it all. Get a quote today or call us to talk coverage options.