General Liability Insurance in Minnesota
Protecting Your Business from Everyday Risks
General Liability (GL) insurance is the foundation of business protection. It covers claims of bodily injury, property damage, and advertising injury that could otherwise put your business at risk. Whether you’re a contractor, retailer, or service provider, GL is often the first step to protecting your company and meeting contract requirements.
👉 Call us today at (763) 582-1888
📩 Or fill out the quick quote form below to get started.
Who Needs General Liability Insurance?
Almost every business. Especially if you:
-
Have a physical storefront or office where people visit.
-
Work on client property (contractors, service businesses).
-
Advertise your business (risk of advertising injury).
-
Sign leases, contracts, or agreements that require insurance.
💡 Tip: GL and Workers’ Comp are best friends. Together they cover both your customers and your employees.
What Does General Liability Cover?
Bodily Injury – medical bills, lost wages, and legal costs.
Property Damage – covers damage you cause to others’ property.
Personal & Advertising Injury – slander, libel, copyright claims.
Medical Payments – no-fault coverage for small claims.
GL doesn’t cover employee injuries (that’s Workers’ Comp), damage to your own property, or professional mistakes. We’ll help you add the right policies to fill those gaps.
Common Questions About GL Insurance
General Liability (GL) insurance covers third-party claims for bodily injury, property damage, and advertising injury. A Business Owners Policy (BOP) includes all of that plus property coverage for your business location, equipment, and sometimes even lost income after a covered loss. Think of GL as the foundation, while a BOP is a more complete “bundle” that combines liability and property protection.
Yes. Many landlords, contractors, and clients require it. Adding an Additional Insured gives that third party coverage under your policy if they’re named in a claim connected to your work. Carriers typically charge a small fee, often starting around $25, depending on the endorsement type.
A Waiver of Subrogation prevents your insurance company from trying to recover money from another party after a claim. It’s commonly requested in construction and lease contracts. Most carriers allow you to add this endorsement to GL or Workers’ Comp policies for a small fee.
Standard GL policies don’t cover your tools and equipment. If you want protection for items you take to job sites, you’ll need Contractor’s Equipment Coverage (sometimes called Inland Marine). This can usually be added to a GL or BOP policy and ensures your tools are insured against theft, damage, or loss both on and off the job site.
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.