General Liability Insurance
in Michigan & Wisconsin

Protect Your Business From Costly Lawsuits and Liability Claims

No matter how careful you are, accidents can happen. A customer could slip and fall, property could be damaged during a job, or your business could be accused of causing financial harm to someone else.

General Liability Insurance helps protect your business from many of the everyday risks that can lead to expensive lawsuits, legal fees, settlements, and judgments.

At M&M Insurance Agency, we help Michigan and Wisconsin businesses find liability coverage that protects their operations, reputation, and financial future.

 

What Is General Liability Insurance?

General Liability Insurance is one of the most important forms of business insurance.

It helps protect businesses from claims involving:

• Bodily injury

• Property damage

• Personal injury

• Advertising injury

• Legal defense costs

Many clients, landlords, property managers, and government entities require proof of General Liability Insurance before allowing work to begin.

 

What Does General Liability Insurance Cover?

 

Bodily Injury Claims

Protects your business if someone is injured because of your operations.

Examples include:

• Customer slips and falls

• Visitor injuries

• Job site accidents involving third parties

 

Property Damage Claims

Coverage for damage your business causes to someone else's property.

Examples include:

• Damage to a customer's building

• Damage caused during installation or repair work

• Accidental damage to neighboring property

 

Personal & Advertising Injury

Protection for certain claims involving:

• Libel

• Slander

• Defamation

• Copyright infringement in advertising

• Misappropriation of advertising ideas

 

Legal Defense Costs

Even if a claim is unfounded, defending yourself can be expensive.

General Liability policies often help cover:

• Attorney fees

• Court costs

• Settlements

• Judgments

Subject to policy terms and conditions.

 

Who Needs General Liability Insurance?

Most businesses should consider General Liability Insurance, including:

 

Contractors

• General Contractors

• Electricians

• Plumbers

• Carpenters

• Roofers

• Painters

• HVAC Contractors

• Excavators

 

Service Businesses

• Cleaning Companies

• Landscaping Businesses

• Snow Removal Companies

• Handyman Services

• Property Maintenance Companies

 

Retail Businesses

• Stores

• Boutiques

• Specialty Shops

 

Professional Businesses

• Consultants

• Marketing Firms

• Small Offices

 

Property Owners

• Rental Property Owners

• Property Managers

 

Why General Liability Insurance Is Important

Without liability coverage, your business may be responsible for paying:

• Medical expenses

• Property repairs

• Legal defense costs

• Settlements

• Court judgments

Even a relatively small claim can create a significant financial burden for a business.

 

Common Situations That May Lead to Claims

Examples include:

• A customer slips on an icy sidewalk.

• A contractor accidentally damages a customer's property.

• A visitor is injured at your business location.

• Your advertising materials lead to a copyright dispute.

• A business is accused of causing damage while performing work.

General Liability Insurance helps provide financial protection when these situations occur.

 

Certificates of Insurance

Many businesses need Certificates of Insurance (COIs) to:

• Bid on jobs

• Enter contracts

• Work for municipalities

• Satisfy landlord requirements

• Meet customer requirements

We can help provide certificates when coverage is in force and appropriate documentation is requested.

 

Additional Insureds

Many contracts require additional insured status.

We can help review contract requirements and discuss available options for adding:

• Property owners

• General contractors

• Project owners

• Municipalities

• Vendors

Subject to carrier guidelines.

 

General Liability vs. Professional Liability

These coverages protect different types of risks.

 

General Liability Covers:

• Bodily injury

• Property damage

• Personal injury claims

 

Professional Liability Covers:

• Professional mistakes

• Errors

• Negligence

• Failure to perform professional services

Many businesses benefit from carrying both coverages.

 

Bundle General Liability With Other Business Insurance

Many businesses choose to combine General Liability Insurance with:

• Commercial Auto Insurance

• Workers' Compensation Insurance

• Business Owners Policies (BOP)

• Commercial Property Insurance

• Professional Liability Insurance

• Commercial Umbrella Insurance

Bundling may simplify policy management and help create a more complete protection plan.

 

Why Choose M&M Insurance Agency?

As a local agency serving Michigan and Wisconsin businesses, we understand the risks business owners face every day.

We help clients:

• Review liability exposures

• Compare available options

• Meet contract requirements

• Obtain certificates of insurance

• Add additional insureds

• Identify coverage gaps

• Find affordable solutions

Our goal is to help protect your business while making insurance easier to understand.

 

Frequently Asked Questions

 

Is General Liability Insurance required?

While not always legally required, many customers, landlords, and contractors require proof of General Liability Insurance before doing business.

 

Does General Liability cover employee injuries?

No. Employee injuries are generally covered under Workers' Compensation Insurance.

 

Does General Liability cover my work vehicle?

No. Commercial Auto Insurance is typically needed for business vehicles.

 

How much General Liability coverage do I need?

Many businesses start with $1 million per occurrence and $2 million aggregate limits, but coverage needs vary by industry and contract requirements.

 

Can I get a Certificate of Insurance quickly?

Yes. We can assist with certificates of insurance for covered businesses when requested.