General Liability Insurance in Maryland
When You Need Reliable Protection for Everyday Business Risks
General Liability (GL) is the foundation of commercial insurance, protecting businesses from third-party claims involving bodily injury, property damage, or personal injury. From Annapolis storefronts to contractors working across Anne Arundel County, GL coverage helps shield you from costly lawsuits and unexpected accidents. If a customer slips and falls, or if your employee damages a client’s property on-site, this policy helps cover medical bills, repairs, and legal defense. Many Maryland landlords and client contracts require at least $1M in general liability coverage — making this protection essential for staying compliant and secure.
What’s Included in General Liability Coverage
Bodily Injury Coverage
Protects your business if a customer or visitor is injured on your premises. Helps cover medical expenses, legal fees, and potential settlements.
Property Damage Liability
Covers accidental damage your business may cause to someone else’s property. Essential for contractors and businesses that work on client sites.
Personal & Advertising Injury
Provides protection for claims involving libel, slander, or copyright infringement. Helpful for businesses with marketing, advertising, or online presence.
Products & Completed Operations
Protects your business from claims related to products you sell or work you’ve completed. Valuable for contractors, manufacturers, and service providers.
Legal Defense Costs
Covers attorney fees and court costs, even in cases where your business is not at fault. Legal expenses can be significant — this protection helps manage the financial impact.
What to Expect From Our Team
Our agents walk you through your coverage needs based on your industry, client requirements, and risk exposures. We help you choose the right limits — from standard $1M policies to higher amounts supported by commercial umbrella coverage. We also explain what GL does not cover so you feel confident your full risk profile is protected.
You can expect:
- A clear explanation of coverage and exclusions
- Quotes from multiple commercial carriers
- Guidance tailored to Maryland regulations and contract requirements
- Ongoing support as your business grows
Explore Your Liability Coverage Options
Understanding how General Liability compares to other types of business insurance helps you build complete protection. Use the table below as a quick guide.
This comparison helps clarify when you may need additional policies beyond GL coverage — especially for employee injuries, professional services, or higher-liability industries.
| Coverage Type | What It Covers | What It Does Not Cover | When It’s Neededss |
|---|---|---|---|
| General Liability | Third-party injuries, property damage, personal injury | Employee injuries, professional errors | Required by leases/contracts; essential for all small businesses |
| Workers’ Compensation | Employee injuries, wage replacement, medical care | Non-employee injuries | Mandatory for most Maryland employers |
| Professional Liability | Errors, omissions, professional negligence | Physical injuries, property damage | Needed for consultants, advisors, service providers |
| Commercial Umbrella | Extra liability limits beyond GL and auto | Primary coverage gaps | Ideal when contract work requires higher limits |
Not sure which coverage fits your situation? Contact us today for honest, expert guidance.
Common Questions About General Liability Insurance
What does general liability insurance cover for a business?
It covers third-party injuries, property damage, and personal injury claims like libel or slander. It also includes legal defense costs, even if your business isn’t at fault.
Is general liability required for a small business in Maryland?
While not legally required for every business, many landlords, vendors, and client contracts mandate it. Most companies carry at least $1M in coverage to meet common requirements.
What’s the difference between general liability and professional liability?
GL covers physical injuries and property damage, while professional liability covers errors or negligence in professional services. Many businesses need both.
Does GL cover employee injuries?
No — employee injuries fall under workers’ compensation insurance. GL only covers third-party injuries.
Can I increase my coverage limits?
Yes, most businesses pair GL with a commercial umbrella policy for higher limits and stronger protection.