General Liability Insurance
Because One Accident Shouldn’t Put You Out of Business.
What Is General Liability Insurance?
General Liability Insurance (GL) is the foundation of your business protection. It covers the most common and costly risks — accidents, injuries, property damage, and legal claims that can arise from everyday operations.
Whether someone slips on your wet floor, you accidentally damage a client’s property, or you’re hit with a libel suit from a social media post — GL steps in to cover the fallout so your business doesn’t take the hit.
What It Covers?
Bodily Injury
Covers injuries to non-employees that happen on your business premises or as a result of your operations. Think: a customer trips over a power cord in your office or a delivery driver slips on icy steps.
Property Damage
Accidentally break something that belongs to a customer or vendor? You’re covered — whether it’s a shattered storefront window or a scratched-up hardwood floor during an install.
Personal & Advertising Injury
This includes claims of libel, slander, false advertising, or copyright infringement — especially useful for consultants, agencies, and anyone active online.
Medical Payments
Pays for minor medical expenses (e.g., ambulance, ER visit) for injuries sustained on your property — even without a lawsuit.
Legal Defense & Settlements
From hiring a lawyer to court fees and settlement payouts, General Liability Insurance helps handle legal costs related to covered claims.
Who Needs General Liability Insurance?
The short answer? Every business. But here’s who benefits most:
- Retail & Brick-and-Mortar Shops: Foot traffic means slip-and-fall exposure.
- Contractors & Tradespeople: On-site work = higher risk of damage or injury.
- Restaurants & Food Services: Hot coffee, wet floors, allergic reactions — all common GL claims.
- Real Estate & Property Managers: Coverage for guest injury or damage to third-party property.
- Consultants & Freelancers: Protect your brand from accusations of defamation or misleading marketing.
- Professional Offices: Even a CPA firm can face legal trouble from a client claiming reputational harm.
Certificates of Insurance (COIs) — Fast, Free, and On-Demand
You’re not getting on that job site or signing that lease without a COI. We get that.
- Same-day turnaround available
- Custom wording for vendors or GCs
- Unlimited copies at no additional charge
Keep your projects moving without the paperwork bottleneck.
Customize Your Protection
General Liability is just the start. We offer combo packages and policy enhancements to give your business full 360° protection:
- Business Owner’s Policy (BOP)
Bundle GL with property coverage and save. - Workers’ Compensation
Required in most states — covers employee injuries and lost wages. - Professional Liability (E&O)
Protects against claims of negligence, bad advice, or incomplete work. - Cyber Liability
Because even small businesses get hacked. - Commercial Auto
For vehicles titled to the business or used on the job.
Real-World Scenarios We’ve Covered
Proudly Serving New York & Beyond
Based in Hewlett, NY, United Coverage understands the local laws, permit requirements, and high expectations that come with running a business in the Empire State. Whether you’re a solopreneur in Long Island or a fast-growing firm in the city, we’ve got the experience to back you up.
Let’s Talk Coverage That Works
