General Liability
Covers claims that your operations caused bodily injury or property damage to others.
What it covers
Third-party bodily injury and property damage
Products and completed operations
Personal and advertising injury
Legal defense costs
Who needs it
Nearly every business. Landlords, clients and general contractors often require it by contract.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where General Liability fits in your program.
Liability tower
Sits over
Covered
Third-party bodily injury and property damage
Products and completed operations
Personal and advertising injury
Legal defense costs
Common add-ons
Additional insureds for contracts
Waiver of subrogation
Primary and non-contributory wording
Liquor liability
Not covered here
Employee injuries (see Workers’ Comp)
Auto accidents (see Commercial Auto)
Professional errors (see E&O)
Cyber and data breach (see Cyber)
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
Umbrella & Excess
Adds limits above your general liability, auto and employer’s liability when a claim exceeds them.
Commercial Property
Protects the buildings, equipment, inventory and improvements your business depends on.
Professional Liability (E&O)
Covers claims that your advice, services or work product caused a client financial harm.
Where this matters most
The industries that most often need this coverage.
HVAC & Mechanical Contractors
Programs for HVAC, plumbing and mechanical contractors, built around service calls, new installs and the contracts behind them.
Oilfield Services
Programs for oilfield service companies, built around MSA requirements, crews in the field and equipment moving between sites.
Manufacturing
Protection for plants, product lines and the supply chains behind them.
Construction & Contractors
Programs for general and trade contractors, built around contract requirements and jobsite risk.
Towing, Auto Service & Local Fleets
Programs for tow operators, repair and service shops, and the local fleets that keep a route running.
Real Estate & Property Management
Coverage for owners, investors and managers across single assets and portfolios.
Professional Services
For firms whose product is expertise: consulting, accounting, legal, design and more.
Hospitality & Restaurants
Protection for restaurants, bars, hotels and venues where guests are the business.
Technology
For software, SaaS and tech-enabled companies scaling fast.
Nonprofits & Ministries
Coverage for churches, ministries and nonprofits serving their communities.
Review your General Liability program with the team.
Request a coverage review