General Liability Insurance

Protect your company from potential legal and financial repercussions resulting from third-party claims and ensure the longevity and reputation of your business.

Operate Your Business Without Fear

Safeguard your business against the unpredictable world of liability claims. At Manna Insurance, we understand the unique risks and challenges that businesses face today.

With us, you have a team of experts who can tailor a policy that precisely fits your specific needs, whether you run a small local business or a large corporation.

Working with us means more than just coverage; it's about ensuring that your business can operate with confidence, knowing that you have a reliable shield in place to protect against unforeseen accidents, injuries, or property damage.

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So what coverage do I need?

Protection From Unforeseen Liabilities & Financial Risks

Bodily Injury

This helps cover medical expenses and legal costs if someone is injured on your business premises or as a result of your business activities.

Property Damage

If your business inadvertently damages someone else's property, this coverage steps in to pay for repairs or replacement.

Personal and Advertising Injury

This covers your business against claims of slander, libel, copyright infringement, and other personal or advertising-related offenses.

Fire Legal Liability

This aspect covers damage to a rented property due to fire caused by your negligence.

Liquor Liability

If your business serves or sells alcoholic beverages, this optional coverage can protect you from claims related to alcohol-induced incidents.

Products and Completed Operations

If your business manufactures, sells, or provides products or services, this coverage safeguards you from liability claims related to defects or injuries caused by your products or completed work.

Medical Payments

This covers medical expenses for injuries that occur on your business premises or due to your business operations, regardless of fault. It's a goodwill gesture that can help avoid lawsuits.

Contractual Liability

If your business assumes liability under a contract, this coverage can help protect you from associated legal claims.

Damage to Rented Premises

If you rent or lease space for your business, this coverage takes care of damage to the rented property caused by your business operations.

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Ways to Save on General Liability Insurance

General Liability Insurance for Business

Maintain a clean claims history and address any potential issues promptly. A positive claims record can result in lower premiums when renewing your commercial general liability policy.

Claims History

Implement safety measures, employee training, and risk reduction practices to minimize the likelihood of accidents and claims. Insurers often offer lower premiums to businesses with strong risk management programs.

Risk Management

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Frequent Questions About General Liability Insurance

Insurance can be complicated and confusing. We’re here to help answer your most common questions about commercial general liability insurance coverage.

Business General Liability Insurance is a policy that provides coverage for a range of common liabilities faced by businesses, including bodily injury, property damage, and personal/advertising injury claims.
Businesses need General Liability Insurance to protect themselves from financial losses related to accidents, injuries, or property damage that occur during business operations. It also helps cover legal defense costs in case of lawsuits.
General Liability Insurance typically covers bodily injury, property damage, personal/advertising injury, medical payments, and legal defense costs. It provides protection against third-party claims arising from your business activities.
General Liability Insurance is not typically required by federal law but may be mandated by state or local regulations. Some contracts or leases may also require businesses to have this insurance.
General Liability Insurance covers claims related to bodily injury, property damage, and personal/advertising injury. Professional Liability Insurance (Errors and Omissions Insurance) covers claims arising from professional mistakes or negligence in providing services.
Factors that can influence the cost of General Liability Insurance include your business's industry, location, size, revenue, and the coverage limits you choose.
Yes, you can often customize your General Liability policy to suit your business's specific needs. You can adjust coverage limits, add endorsements for additional protection, and tailor the policy to your industry.
Yes, General Liability Insurance policies typically have coverage limits, which can vary based on your policy. It's important to choose coverage limits that adequately protect your business.

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More Coverage Options

Employment Practices Insurance

Protect your business from costly employment-related claims and ensure a safe and inclusive workplace for your employees.

Learn More
Excess Liability - Umbrella Insurance

Go above and beyond. Protect your business assets with coverage that extends beyond your primary insurance policies.

Learn More
Commercial Property Insurance

Protect the physical assets of your business to ensure that unexpected events won't jeopardize your operations.

Learn More

Kind Words from Our Customers:

Ciarra Flint

★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
AJ Johnson

★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
Emily Kooistra

★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!