What Does General Liability Insurance Cover?
Advertising & Personal Injury Coverage
Includes libel, slander, and false advertising claims
Covers Legal Fees & Settlements
Your insurer handles lawsuits on your behalf
Protects Against Property Damage Claims
Covers damage to third-party property
Industries We Protect with General Liability Insurance
At LIRisk, we serve diverse industries in New York, Long Island, and NYC. Our CGL policies are customized to meet the unique risks of different businesses:
Retail Stores – Protect against customer injuries, product liability claims, and property damage
Restaurants & Taverns – Coverage for foodborne illnesses, customer incidents, and liquor liability risks
Distributors & Wholesalers – Coverage for warehouse operations, product liability, and third-party claims
Auto Repair & Service Shops – Covers accidents, faulty repairs, and customer property damage
Professional Offices & Services – Safeguard against advertising claims, property damage, and injury lawsuits
No two businesses are alike—our tailored policies ensure you get the protection that fits your industry needs.
General Liability Insurance for Businesses and Commercial Operations
If you need liability insurance for your business or commercial operations, Long Island Risk Placement (LIRisk.com) has you covered. We offer specialized general liability insurance designed to protect your company’s assets from potential risks and claims. Whether you run a small business, operate in contracting, or manage a larger commercial enterprise, our experts will help you find the best coverage to meet your needs.
What Does a General Liability Policy Cover?
A CGL policy from LIRisk includes multiple layers of protection to keep your business financially secure:
Bodily Injury Liability – Covers medical expenses and legal costs if a customer or visitor gets injured on your premises
Property Damage Liability – Pays for damages caused to someone else’s property due to your business operations
Personal & Advertising Injury – Protection against libel, slander, and copyright infringement lawsuits
Medical Payments Coverage – Pays for immediate medical expenses without legal action
Products & Completed Operations Coverage – Covers damages caused by your products or services after they are delivered
Example: If a customer slips and falls in your restaurant, your General Liability Insurance would cover their medical bills and legal costs if they decide to sue.
Step One
Initial Consultation
Step Two
Customized Proposal
Step Three
Agreement
Step Four
Coverage Begins
How Much Does General Liability Insurance Cost in New York?
Trade Contractors
We provide flexible, comprehensive insurance options for general, home improvement, and trade contractors to help protect their business and meet local regulatory and contractual requirements.
General Contractors
We understand the risks of managing large-scale projects and provide solutions that meet both regulatory and business needs.
Home Improvement Contractors
We offer customized insurance policies specifically for home improvement contractors, whether you focus on residential renovations or larger construction projects, ensuring compliance and complete protection.
Retail Stores
We offer tailored insurance for retail businesses, providing coverage for property, inventory, and liability. From small shops to large stores, our policies help you stay protected from various risks.
Service Providers
From janitorial services to food and beverage businesses, we understand the unique insurance needs of service providers. Our solutions cover employees, equipment, and legal liabilities.
Auto Services
Auto repair shops, body shops, and dealerships face unique risks. We offer coverage to protect your business, including Garage Liability for third-party injuries or property damage, Garagekeepers Insurance for customer vehicles, and Business Auto Insurance for company vehicles.
While General Liability Insurance provides broad protection, there are some exclusions to be aware of. Your CGL policy does not cover:
Employee Injuries – Covered under Workers’ Compensation Insurance
Business-Owned Vehicles – Requires a Commercial Auto Insurance Policy
Professional Errors & Omissions – Covered under Professional Liability Insurance (E&O)
Liquor Liability – Needs a separate Liquor Liability Insurance Policy for bars, taverns, and restaurants
Property Damage to Your Own Business – Requires a Commercial Property Insurance Policy
Need additional coverage? We can bundle General Liability with Workers’ Comp, Business Auto, Property Insurance, and Liquor Liability for complete protection.
Exclusions & What General Liability Insurance Doesn’t Cover
Why Choose LIRisk for Your General Liability Insurance?
At LIRisk, we understand the unique risks of New York businesses and provide tailored coverage with:
Expertise in Business Insurance – Over 20+ years of industry experience
A-Rated Insurance Companies – We partner with top-rated carriers
Custom Policies for NYC & Long Island – Tailored to your industry & location
Dedicated Support & Claims Assistance – We help you navigate claims efficiently
Flexible Payment Plans – Affordable options for small and growing businesses
We serve New York businesses exclusively. Let us find the right policy for you.
How Much Does General Liability Insurance Cost?
The cost of your General Liability Insurance depends on several factors, including:
Business Industry & Risk Exposure – Higher-risk industries (e.g., auto repair shops) pay more
Business Size & Location – NYC businesses may have higher premiums due to litigation risks
Coverage Limits – Higher coverage limits increase protection but also cost more
Claims History – Businesses with previous claims may face higher premiums
Typical General Liability Policy Costs:
Small businesses pay $500 - $3,000 per year
Higher-risk businesses (auto shops, restaurants) may pay $5,000+ annually
Custom quotes available for bundled insurance policies
