Skip to content
Click to Call
Premier Risk Group

68750 Oak St
Richmond, MI 48062

Get Directions

Michigan General Liability Insurance Coverage

General Liability Insurance in Michigan

General Liability Insurance is often the foundation of a business's insurance program. It protects your business when someone else is injured, or their property is damaged, because of your operations, and it is usually one of the first policies a growing Michigan business puts in place. Many client contracts, leases, and vendor agreements even require proof of it before you can start work.

What General Liability Insurance Covers

A general liability policy typically covers:

  • Bodily injury to a customer, client, or visitor on your property
  • Property damage caused by your business operations
  • Personal and advertising injury, such as claims of libel or copyright infringement
  • Products and completed operations, for issues that arise after a job is finished or a product is sold
  • Legal defense costs, even if a claim against you is not valid

Common Scenarios Where This Coverage Applies

This coverage applies in everyday situations we see across the industries we serve, such as:

  • A customer slipping and falling at a restaurant or retail location
  • A contractor accidentally damaging a client's property while working on site
  • Equipment or debris from a demolition or scrap yard causing damage to a neighboring property
  • A completed installation, like flooring or carpet, that leads to a claim months later

Coverage Options to Consider

Because every business carries different exposure, we help you consider coverage options such as:

  • Higher liability limits to meet contract or lease requirements
  • Products and completed operations extensions for contractors and installers
  • An umbrella policy for an added layer of protection above your general liability limits

Get a General Liability Insurance Review

Because commercial coverage is built around your specific operations, our online quoting tool only handles auto and home coverage. Contact our Richmond, Michigan team today to review your general liability needs and build a policy that fits your business.

quote-icon Comparing Quotes - Made Simple

Fill out the form below and
get started today!