Coverage line
General Liability
Someone outside your company gets hurt or their property gets damaged. This pays the harm and the legal bill.
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.
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.
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. It responds to bodily injury and damage to other people's property. A customer's financial loss from your product failing is what tech E&O covers.
When does an AI or robotics startup need general liability?
Usually at your first office lease, customer contract, or site visit. Landlords ask for a certificate of insurance before you sign or set foot there.
Keep reading
Describes a line of coverage in general terms. Not an offer of insurance.