Nadler Insurance

General Liability Insurance

Protect your business from claims of bodily injury, property damage, and personal injury. The foundation of commercial coverage for any Bay Area business.

What General Liability Covers

Bodily Injury Liability

Covers injuries to third parties caused by your business operations — a customer slipping in your store, a visitor tripping over equipment, or similar incidents.

Property Damage Liability

Covers damage your business causes to someone else's property — whether it's a contractor damaging a client's wall or a delivery causing damage.

Personal & Advertising Injury

Covers claims of libel, slander, copyright infringement, and false advertising. Important for businesses that advertise or create content.

Medical Payments

Pays for minor medical expenses when someone is injured on your premises, regardless of fault. Helps avoid lawsuits by handling small claims quickly.

Products-Completed Operations

Covers liability for products you sell or work you've completed. If a product you sold causes injury or your finished work causes damage, this coverage responds.

Legal Defense Costs

Pays for attorneys, court costs, and settlements — even if a lawsuit is frivolous. Legal fees are typically covered in addition to your policy limits.

Why Get GL Insurance Through Nadler?

  • Multiple carrier options. We shop Hartford, Travelers, CNA, and specialty markets to find competitive rates.
  • Certificate handling. Need a COI for a client or landlord? We handle requests quickly — often same-day.
  • Package options. Combine GL with property, auto, and umbrella in a BOP or commercial package for better coverage and pricing.

Frequently Asked Questions

What does general liability insurance cover?
General liability insurance covers third-party claims of bodily injury, property damage, and personal/advertising injury. It protects your business when someone is hurt on your premises, when your operations damage someone's property, or when you're sued for defamation or copyright issues.
How much general liability coverage do I need?
Most small businesses carry $1 million per occurrence and $2 million aggregate. However, contracts, landlords, and industry standards may require higher limits. We'll help you assess your exposure and choose appropriate limits.
What's the difference between general liability and professional liability?
General liability covers physical injury and property damage. Professional liability (E&O) covers mistakes in your professional services — wrong advice, missed deadlines, or errors in your work product. Most service businesses need both.
Do I need general liability if I work from home?
Yes, if you have any business exposure. Your homeowners policy typically excludes business activities. Even a home-based consultant should have GL coverage for client meetings, business deliveries, or off-site work.
What's an additional insured endorsement?
An additional insured endorsement extends your liability coverage to another party — often a client or landlord. Many contracts require you to add the other party as an additional insured on your GL policy.
Growing Up Covered

Free Guides & Checklists

Practical resources to help you understand your coverage.

How to Handle a Commercial General Liability or Work Comp Audit & What Could Trigger It.

A plain-English guide for Bay Area business owners going through a GL or Workers' Comp audit. Covers why audits happen, what happens if you ignore one (estimated high bill or mid-term cancellation), the two audit types, what auditors look for, how misclassification creates surprise bills, records to prepare, how to engage during the process, disputing results, and prevention habits. Ends with a printable prep checklist.

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Ready to protect your business?

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