⚙️ What It Covers

• Bodily injury – Covers third-party injuries on your premises or caused by your business

• Property damage – Pays for damage to someone else’s property caused by your operations

• Legal defense & settlements – Covers attorney fees, court costs, and judgments

• Advertising injury – Protection against claims like slander, libel, or copyright infringement

• Medical payments – Immediate expense coverage without legal liability

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🏢 Who Needs It?

Virtually all businesses need general liability coverage—whether you meet clients in person, lease commercial space, sell products, or simply want to meet contract requirements.

We regularly help secure coverage for:

• Contractors & Subcontractors
  (electricians, plumbers, general contractors, painters, roofers, etc.)

• Retail Stores & Boutiques
  (clothing shops, furniture stores, electronics retailers, etc.)

• Professional Services
  (consultants, accountants, real estate agents, financial planners)

• Medical & Healthcare Providers
  (chiropractors, therapists, urgent care centers, clinics)

• Restaurants & Food Service
  (cafés, food trucks, bakeries, fine dining, and fast casual)

• Personal & Pet Care Services
  (salons, barbers, spas, dog groomers, trainers, kennels)

• Commercial Property Owners
  (office buildings, retail strip centers, apartment buildings)

• Religious & Cultural Organizations
  (churches, temples, nonprofit groups)

• Service-Based Businesses
  (janitorial services, mobile detailers, security services)

• Garages & Auto Services
  (mechanics, auto body shops, detailers, tire centers)

• Manufacturers & Wholesalers
  (light manufacturing, parts suppliers, food/beverage producers)

• Printers & Publishers

• Technology Companies
  (software developers, managed IT services, web hosting firms)

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This list is not exhaustive—if your business isn’t listed, reach out and we’ll let you know if general liability applies (it probably does).

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✅ Why It’s Essential

• Required for most commercial leases and contracts

• Helps you meet vendor or client insurance requirements

• Shields your business from unpredictable lawsuits

• Adds credibility and professionalism to your business

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🧾 Optional Add-ons & Related Coverages

• Professional Liability (E&O) – for claims related to your advice or services

• Workers’ Compensation – for employee injuries

• Commercial Auto – if you drive for business

• Business Owner’s Policy (BOP) – bundles general liability + property

• Cyber Liability – for data breaches and cyberattacks

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🙋 General Liability FAQs

Is general liability insurance legally required?
No, but it’s often contractually required and strongly recommended. Many landlords, clients, and vendors won’t work with uninsured businesses.

Does it cover employees getting injured?
No. For that, you’ll need a workers’ compensation policy.

Can I combine it with other coverages?
Yes! We often recommend bundling it in a Business Owner’s Policy (BOP) to save money and extend protection.

How much does it cost?
Premiums depend on your industry, revenue, location, and claims history. We shop multiple carriers to find competitive rates that match your budget and needs.

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💬 Let’s Get You a Quote

AEC Insurance Services works with multiple top-rated carriers, including Travelers, to help you compare options and get the right protection for your business.

Call: 805-328-5001
Email: chris@aecinsuranceservices.com