General Liability Insurance for Michigan Businesses
The foundation of every Michigan business insurance plan. If a customer slips, property gets damaged, or someone sues over advertising — general liability has you covered.
What Is General Liability Insurance?
General liability insurance (GL) is the single most essential business insurance policy. It protects your Michigan business from third-party claims of bodily injury, property damage, and personal/advertising injury. If a customer slips on a wet floor in your store, if your employee accidentally damages a client's property on a job site, or if a competitor sues you over a marketing claim — general liability pays the legal defense costs and any resulting settlement or judgment. Without it, a single lawsuit could financially devastate even a well-run business.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers medical bills and legal costs when a customer, vendor, or visitor is injured at your place of business or as a result of your operations.
Pays for damage your business or employees cause to someone else's property during the course of work.
Covers claims of libel, slander, copyright infringement, or false advertising made against your business.
Pays attorney fees, court costs, and expert witnesses — even for claims that are ultimately dismissed.
If your business manufactures, distributes, or sells products, GL covers claims of injury or damage caused by those products.
Covers claims that arise after a job is finished — like a contractor whose completed work later causes damage or injury.
Who Needs This Coverage
Any time a non-employee is on your premises or affected by your operations, you have GL exposure.
Working in clients' homes and businesses creates daily property damage and injury exposure that requires GL coverage.
Customer slip-and-falls are the most common GL claim — retail stores are particularly vulnerable.
Consultants, marketers, designers, and others face advertising injury and third-party damage claims.
Most commercial leases, contracts, and client agreements require proof of GL coverage before you can operate.
Without GL coverage, your personal assets are at risk when clients or the public make claims against you.
Frequently Asked Questions
Protect Your Michigan Business From Day One
General liability is the foundation of every business insurance plan. Get a free quote and certificate of insurance fast.