General Liability Insurance
General liability insurance is designed to help businesses handle legal and third-party claim expenses. McDonald Insurance Group guides you toward coverage options that suit your financial and business priorities.
Who Should Consider This Policy?
This type of policy may be necessary if your business interacts with clients, customers or the public. Many types of organizations can benefit from general liability insurance coverage, including:
- Retailers and restaurants
- Contractors and service providers
- Manufacturers and distributors
- Professional offices and consultants
Many landlords, clients and local authorities often require proof of liability coverage before you can enter into contracts or start work.
What Are Its Key Coverage Features?
General liability insurance typically includes the following:
- Bodily injury coverage for accidents that happen on your premises or as a result of your operations
- Property damage coverage for incidents where your business is responsible for damaging someone else’s property
- Personal and advertising injury coverage for claims such as libel, slander or copyright infringement
Does General Liability Insurance Have Exclusions?
Standard general liability policies may often exclude:
- Damage to your own property
- Injuries to your employees
- Intentional acts
- Product recall expenses
- Certain contract-related liabilities, unless specifically added
- Claims that stem from professional errors or negligence (these may fall under a separate professional liability policy)
- Pollution or environmental claims, unless your policy includes endorsement for this type of coverage
What Affects My Policy Cost?
Pricing can vary based on factors such as your:
- Business location
- Number of employees
- Past claims activity
- Industry and day-to-day operations
- Selected coverage limits and options
Work With McDonald Insurance Group
Our team evaluates the risks your business faces and recommends coverage options that align with your goals. Contact McDonald Insurance Group now to learn more and request a free custom quote.