General Liability Insurance in Minnesota
Protection from everyday business risks, for Minnesota businesses and for businesses in Wisconsin, Texas, Arkansas, North Carolina and Florida.
General liability (GL) is the foundation of business insurance. It pays when your business is blamed for injuring someone, damaging their property, or harming them through your advertising, and it pays for your legal defense. City Insurance and Financial Services compares GL policies from several insurance companies for contractors, retailers, restaurants, offices and service businesses.
Who Needs General Liability Insurance?
Almost every business, especially if you:
-
Have a storefront or office where customers visit.
-
Work on client property (contractors and service businesses).
-
Advertise your business.
-
Sign leases or contracts that require insurance (most commercial leases and general contractors do).
-
Are a licensed residential contractor in Minnesota: state law requires GL of at least $100,000 per incident / $300,000 total for injuries and $25,000 for property damage, or $300,000 combined (Minnesota Statutes § 326B.86).
Tip: GL and workers’ comp work together: GL covers your customers and the public, workers’ comp covers your employees.
What Does General Liability Cover?
Bodily injury – medical bills and legal costs when someone is hurt because of your business.
Property damage – damage you cause to someone else’s property.
Personal & advertising injury – claims like slander, libel or copying someone’s ad.
Medical payments – small medical bills for a guest who’s hurt, no matter who was at fault.
GL doesn’t cover injuries to your own employees (that’s workers’ comp), damage to your own property, your vehicles (commercial auto) or professional mistakes (professional liability). We’ll help you add the right policies to fill those gaps.
Common Questions About GL Insurance
GL covers claims from other people: injuries, damage to their property and advertising injury. A BOP packages GL with property coverage for your building, equipment and inventory, often for less than buying them separately. Not every business qualifies for a BOP.
Yes. Landlords, general contractors and clients often require it. It extends your policy to them for claims connected to your work. Some insurance companies charge a small fee; others include it.
It stops your insurance company from trying to recover a claim payment from the other party, such as your landlord or general contractor. It’s common in construction and lease contracts and is usually added by endorsement.
No. GL doesn’t cover your own tools and equipment. For tools you take to job sites, you need contractor’s equipment coverage (inland marine), which can usually be added to your policy.
It depends on what your business does, your revenue or payroll, where you work, the limits you choose and your claims history. We compare several insurance companies so you see the price for the coverage you actually need.
Get a Quote Today
Call us today at (763) 582-1888
Or fill out the quick quote form below to get started.
General Liability is the foundation of business insurance. Start here and build a package that grows with your business.