Coverage line
General Liability
Someone outside your company gets hurt, or their stuff gets damaged, and it's on you. This pays for the harm and for the lawyers.
Built for moments like these.
A falling bracket smashes the customer's server rack during install. They bill you $80,000.
Covered — Damage to their property
A visitor at your demo trips over a cable and breaks a wrist. Their lawyer writes.
Covered — Injury to an outsider
The classic mix-up
Your software miscounts inventory and the customer loses $200,000. Nothing physical happened.
Not this policy
→ Professional Liability (Tech E&O) answers this oneEasy to confuse. Here’s the line between them.
General Liability
Physical harm.
This page
When to buy
Your first lease, customer contract, or on-site visit.
Typical ask: $1M per incident, $2M total per year. Your broker confirms yours.
Who requires it
Landlords, customers, and site owners, before you sign or set foot on site.
How hard to get
Needs the right insurers
Machines around people scare generic insurers. We go to the ones who want them.
Common questions
Does general liability cover mistakes in my software?
No. General liability responds to bodily injury and damage to other people's property. A customer's financial loss from your product or service failing is what tech E&O exists for.
When does an AI or robotics startup need general liability?
Usually at your first office lease, customer contract, or on-site visit. Landlords and site owners ask for a certificate of insurance before you sign or set foot on their property.
Does it cover damage my robot causes at a customer site?
Damage your operations cause to property you don't own is the kind of claim this line is built for. What a specific policy actually pays is set by the carrier's wording, so the exclusions get read before you rely on it.
What limits do contracts usually require?
One million dollars per occurrence and two million aggregate is the most common contract ask. When a contract demands more, the extra limit usually comes from an umbrella policy rather than a larger primary.
Still not sure if you need it?
Apply in minutes — the application tells you which lines fit, and a licensed producer reviews everything.
This page describes a line of coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.