General Liability Insurance for Businesses
Essential Protection Against Lawsuits
Everyday operations carry risk—customer injuries, accidental property damage, or even claims of libel. With
general liability insurance Wisconsin, Head Insurance Agency helps Appleton, Sherwood, Green Bay, and Oshkosh businesses handle legal costs and settlements so you can stay focused on work. Retail slips, a contractor’s jobsite mishap, or an advertising claim can all trigger expenses; a solid GL policy is the foundation of your program.
Who Needs General Liability Coverage
From sole proprietors to growing LLCs, nearly every operation needs proof of GL. Contractors need certificates for jobsites, storefronts need coverage for customer injuries, and consultants benefit when meeting at client offices. Leases, vendor agreements, and RFPs across the Fox Valley frequently require evidence of limits and additional insured endorsements—our team issues certificates fast.
Coverage Details And Common Limits
Typical limits start at $1M per occurrence/$2M aggregate and can be written as a stand-alone policy or inside a
Business Owners Policy. For higher limits, a
commercial umbrella can extend protection across GL and auto. Remember, GL doesn’t cover professional advice errors, employee injuries, or vehicles—those require
professional liability, workers’ comp, or commercial auto.
General Liability Questions, Answered
What does GL cover?
Third-party bodily injury, property damage, and personal/advertising injury—plus legal defense.
Do LLCs need GL in Wisconsin?
Yes—entity status doesn’t prevent claims; many contracts require it.
Is product liability included?
Most GL policies include products/completed operations; we’ll tailor limits for your exposures.
How quickly can I get a policy?
Often same day for many small businesses—certificates available on request.