General Liability Insurance
General Liability Insurance
General liability insurance protects your business when a third party — a customer, vendor, or passerby — claims you caused bodily injury, property damage, or advertising injury. It’s usually the first policy a business buys, and many landlords, clients, and contracts require proof of it before you can even start work. Covella compares carriers across Ohio, Indiana, and Kentucky to build a general liability policy sized to your actual operations.
What it covers
third-party bodily injury and property damage · advertising injury (libel, slander, copyright claims in ads) · legal defense costs, even for baseless claims · medical payments to an injured third party regardless of fault (small limits, no lawsuit required)
Who needs it
virtually every business with a physical location, employees, or client-facing operations — required by most commercial leases, client contracts, and licensing boards.
What affects the cost
industry/class code, revenue or payroll, claims history, and the liability limit selected (most small businesses start at $1M per occurrence / $2M aggregate).
Common questions about our coverage & services
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
1. What does general liability NOT cover?
2. How much does general liability cost in Ohio?
2. How Much Does General Liability Insurance Cost in Ohio?
so link to it here
Call to action
Protect Your Business From the Ground Up. Independent, multi-carrier coverage across Ohio, Indiana, and Kentucky.