Koosh Insurance · Business & Industry
General Liability
A customer slips in your lobby. A tool damages a client's property. An ad gets you accused of defamation. General liability is what stands between any of those moments and a check you write personally. It's the foundation of every commercial program — and it's the policy your landlord, your client, and your contracts will demand before they sign.
Coverage
What this coverage includes
- Bodily injury to third parties — customers, vendors, and visitors injured on your premises or by your operations
- Property damage to third parties — accidental damage your business causes to property you don't own
- Personal and advertising injury — libel, slander, copyright infringement in your marketing, wrongful eviction, false arrest, and malicious prosecution
- Products liability for items you've sold, and completed-operations coverage for work you've finished and walked away from
- Medical payments — small, no-fault payments for minor injuries on your premises that often prevent escalation into a lawsuit
- Defense costs — attorneys, expert witnesses, and court costs, typically paid outside your policy limits on standard policies. Some specialty policies erode limits, which we always flag at quote.
Who Buys This
Who typically buys this coverage
- Contractors and trades — required by virtually every general contractor, property owner, and licensing board
- Retailers, restaurants, and hospitality groups — constant foot traffic and food or alcohol exposure
- Professional service firms — commercial leases and client master service agreements demand it
- Manufacturers and distributors — products liability extends years after the sale
- Real estate investors and property managers — named on every tenant's policy and vice versa
Why Koosh
Why Koosh Insurance
We place general liability for businesses across the country, with relationships in standard, surplus, and specialty markets. That breadth matters: when one carrier stops writing your industry or drops your renewal, we have somewhere to land.
National reach, hands-on service. Real people assigned to your account.
Commercial-first focus. GL is core to what we do every day, not an afterthought to a personal-lines book.
Carrier breadth. Standard markets for clean risks, surplus and specialty for the ones other agencies won't touch.
Coastal and catastrophe expertise. Our roots are in South Florida, so we understand wind, flood, and high-cat underwriting — useful for any business with storm-exposed locations anywhere.
Fast certificates. When a client or landlord needs a COI, we move quickly so your contract doesn't stall.
FAQ
Frequently asked questions
This page provides general information about General Liability insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for General Liability
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.