Business insurance
General liability: the baseline, read closely
It is the policy every contract asks about and most owners have never read. It covers what your operations do to other people and their property — and excludes more than the certificate suggests.
What the baseline does and does not do
General liability answers for bodily injury and property damage that come out of your premises and your operations — the customer who trips, the job that damages the property around it. It does not answer for your own work being redone, your professional advice, your vehicles, or your building. Owners find those edges at claim time; the better moment is before you sign anything.
The practical questions are limits and proof: what the contract in front of you requires, whether your aggregate can absorb a real year, and how fast a certificate gets issued when a job needs one. GL is the spine of the commercial package; the full line list is on the business insurance hub.
General liability questions we actually get
What does general liability insurance actually cover?
Draft copy: the published answer will define the baseline, bodily injury and property damage arising from operations and premises, and what it pointedly excludes. Structural placeholder text on purpose, holding this question slot at the site's enforced liftable-answer bound until reviewed copy lands.
What limits do contracts usually require?
Draft copy: the final answer will describe the occurrence and aggregate limits landlords and general contractors typically write into agreements, and how certificates prove them. A visible draft by design, so placeholder language is never mistaken for reviewed contract or legal advice.
Does general liability cover my own work being redone?
Draft copy: the reviewed answer will explain the your-work exclusion honestly, because it surprises contractors at exactly the wrong moment, and what instruments address it. Draft register on purpose; this passage proves the layout, the schema pairing, and the word bound.
Is general liability enough on its own?
Draft copy: the published answer will place the baseline inside the package, what property, auto, and professional exposures it never touches, and when the package page is the better read. Placeholder in plain sight, sized to the bound this site enforces for liftable answers.
Bring the contract that asked for it.
The insurance requirements section tells us in one read what limits you are being held to — and whether your current policy actually produces the certificate.