General Liability Insurance for Businesses
The Foundation of Business Protection
General liability insurance protects your business from third-party injuries, property damage, and legal defense costs. From Lafayette and West Lafayette to clients operating across Indiana and multi-state footprints, The Mitchell Agency tailors coverage for retailers, contractors, restaurants, and offices to satisfy landlord and customer requirements.
What General Liability Can Cover
Includes bodily injury on your premises, property damage caused at a client location, products-completed operations for work that later causes harm, and personal & advertising injury (libel or slander). We’ll align limits and endorsements with your traffic levels, operations, and common lease or vendor requirements.
Who Needs General Liability?
Retailers, restaurants, contractors, and professional firms that serve customers or vendors rely on general liability. In and around Lafayette, landlords and clients frequently make proof of GL a condition of leases and contracts.
How Much Coverage Do You Need?
Common limits are $1M per occurrence / $2M aggregate, with higher options for busy venues or higher-risk trades. If contracts ask for more, a commercial umbrella can extend protection efficiently.
Cost Factors & Savings
Premiums reflect your industry, revenue/payroll, location, and claims history. As an
independent agency, we
compare multiple carriers and recommend risk-control steps that support better pricing over time.
Pair GL with Property in a BOP
Many small businesses qualify for a
Business Owners Policy that bundles general liability, property, and
business income. One policy, streamlined billing, strong value.
Answers to Common GL Questions
Does general liability cover employee injuries?
No. Employee injuries fall under workers' compensation. GL is for third-party claims like customers or vendors.
Will GL cover mistakes in my professional advice?
That's typically professional liability (E&O), not GL. E&O addresses financial loss from service errors.
Is GL required by law?
Not universally, but it's widely required by leases and contracts-and essential for risk transfer.
How is GL different from an umbrella policy?
GL is primary coverage up to its limit; an umbrella adds higher limits over GL and other policies.
