General LiabilityInsurance
Help protect your business from third-party injury, property damage, completed operations, and legal defense costs.
General Liability that gets it right
What general liability protects
General liability insurance helps protect businesses from common third-party claims, including bodily injury, property damage, personal injury, advertising injury, and completed operations claims.
It is one of the core coverages many businesses need before signing leases, bidding jobs, or working with larger clients.
Why businesses need liability coverage
A slip-and-fall, damaged customer property, or lawsuit can become expensive quickly. Coverage can help with defense costs, settlements, and covered judgments.
Motive helps business owners review limits, deductibles, certificates, additional insured requirements, and policy gaps.
Built around your operation
A contractor, transportation company, retail shop, and service business all face different liability exposures. The policy should reflect how the business actually works.
We help identify those differences and compare coverage that fits your risk profile.
Coverage highlights
- Bodily injury claims
- Property damage claims
- Completed operations
- Personal and advertising injury
- Contract certificate support
- Additional insured review
Business Liability Insurance Questions
General liability insurance generally addresses certain third-party bodily injury, property damage, and personal or advertising injury claims.
For example, if a customer is injured at your business premises, general liability coverage may respond depending on the circumstances and policy terms. Motive helps small businesses review these exposures and select appropriate protection for their operations.
Commercial auto insurance addresses covered risks associated with the ownership or use of business vehicles. General liability generally addresses specified business liability risks outside the scope of auto liability.
Many businesses need to consider both. Motive helps contractors, transportation operators, and business owners understand where one policy ends and another may be needed.
General liability insurance generally does not replace workers' compensation coverage for employee work-related injuries.
Workers' compensation can provide benefits for covered medical expenses and lost wages following qualifying workplace injuries or illnesses. Motive can help employers review coverage options and identify applicable state requirements as they hire and expand.
A Certificate of Insurance, often called a COI, summarizes certain details of your existing insurance, such as policy types, limits, and dates.
Customers and property owners may request certificates before approving work or granting access to a location. Motive can help policyholders request their documents and review whether contract requirements are reflected in their coverage.
An additional insured is a person or organization granted certain liability protection under another party's policy, as defined by the applicable endorsement.
A certificate holder is not automatically an additional insured. Motive can help customers review contract language and request appropriate endorsements when available and necessary.
Commercial insurance resources
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