Why General Liability Insurance is Necessary for Business Owners

General Liability insurance protects your business, your assets, and everything you’ve worked to build. It provides coverage when third parties suffer bodily injury, property damage, or personal injury as a result of your operations, services, or premises.

Whether you’re a general contractor on a jobsite, a landlord managing properties, a restaurant owner serving customers, or a warehouse or distribution business handling inventory, General Liability is often the foundation of your insurance program — and frequently required by landlords, lenders, and clients.

From slip-and-fall claims and property damage to advertising injury and legal defense costs, General Liability helps shield your business from unexpected financial losses that could otherwise disrupt operations.

It’s important to understand that General Liability does not cover professional mistakes or advice-related claims. Businesses such as contractors, consultants, and service providers may also require Professional Liability (Errors & Omissions) to ensure full protection.

What is General Liability Insurance?

General liability insurance can assist in covering claims for bodily injury or property damage and serves to protect your business and assets. This insurance is commonly referred to as commercial general liability (CGL) insurance. You have the option to purchase on its own or include it with other important coverages by choosing a Business Owner’s Policy.

We are here to assist you in determining the necessary business liability insurance coverages for your company. Our purpose to understanding the coverage of general liability insurance or receiving a quote for this insurance.

What Covers Our General Liability Insurance?

With our general liability insurance, your business will be protected from various risks, allowing you to continue operations with confidence covering the following:

• Bodily Injury

• Property Damage

• Personal and Advertising Injury

• Reputational Harm

This thorough protection guarantees that your business is shielded from exposures and risks, enabling you to concentrate on progress and achievement with the confidence your business and assets are protected through effective risk transfer solutions tailored to your business and typical day-to-day exposures within your respective industry,

Why Burlington for Commercial General Liability

Commercial General Liability isn’t one-size-fits-all. Policy language, exclusions, and endorsements vary widely - and the wrong structure can leave serious gaps in protection.

At Burlington Insurance Agency, Inc., we specialize in building CGL programs that actually work in the real world. We support contractors, landlords, developers, restaurant owners, fleet operators, warehouses, distributors, and growing businesses across New Jersey and New York.

We go beyond quoting policies. Our team reviews exclusions, negotiates key endorsements, and structures coverage to meet contractual requirements — including additional insured status, waiver of subrogation, primary and non-contributory wording, and completed operations protection.

By leveraging relationships with multiple carriers, we secure competitive pricing while prioritizing coverage quality. We also design risk transfer strategies that protect your business and assets, from subcontractor compliance to properly layered umbrella coverage.

The result: stronger protection, fewer surprises at claim time, and insurance programs built to support your operations and long-term growth.