What Is General Liability Insurance?
General liability (GL) insurance protects your business from the most common and costly third-party claims. If someone gets hurt at your location, or your work damages someone else’s property, general liability helps cover medical expenses, legal defense costs, and settlements.
Most GL policies include protection for:
Bodily Injury
injuries to customers, vendors, or the public
Property Damage
damage to someone else’s property caused by your operations
Personal & Advertising Injury
claims like libel, slander, or copyright infringement
Legal Defense Costs
attorney fees and court costs, even if the claim is groundless
At B&B Insurance, we explain coverage clearly so you know exactly what your policy does—and doesn’t—cover.
Who Needs General Liability Insurance?
Nearly every business can benefit from general liability coverage, including:
Contractors and tradespeople working on client properties
Home-based businesses meeting clients or vendors
Professional services that don’t perform physical work but still face liability exposure
New businesses required to show proof of insurance to operate
If a customer slips at your Riverton office, or you accidentally damage a client’s home in Herriman, general liability insurance helps keep that incident from becoming a financial crisis.
Why General Liability Is Often Required in Utah
While Utah law doesn’t mandate general liability insurance for every business, many client contracts, commercial leases, and licensing bodies require proof of coverage before you can start work.
We help business owners:
- Meet contract and lease insurance requirements
- Secure coverage quickly when opportunities arise
- Provide Certificates of Insurance (COIs) fast—often same day
You won’t lose a job or lease because of missing paperwork.
How Much General Liability Insurance Do You Need?
Most small businesses start with a $1 million per occurrence / $2 million aggregate general liability policy. The right limit depends on your industry, risk exposure, and contract requirements.
Our agents will:
- Review how and where you operate
- Recommend limits that make sense for your business
- Discuss higher limits or umbrella coverage if needed
You won’t be pushed into unnecessary coverage—just what protects your business properly.
What General Liability Does Not Cover
It’s important to understand coverage boundaries:
- Employee injuries (covered by workers’ compensation)
- Professional errors or advice (errors & omissions insurance)
- Business vehicle accidents (commercial auto insurance)
If your business needs additional protection, we’ll help coordinate the right policies so nothing is overlooked.
Local Support for Local Businesses
B&B Insurance has protected Utah businesses for decades—from contractors in Bluffdale to storefronts in South Jordan. As a family-owned agency since 1979, we understand what small business owners face and how to balance protection with affordability.
You’ll always speak directly with a licensed agent—no call centers—and Spanish-speaking support is available.
General Liability Insurance Questions, Answered
What does general liability insurance cover for a small business?
It covers third-party injuries, property damage, legal defense costs, and certain personal or advertising injury claims.
Is business liability insurance required in Utah?
Not always by law, but it’s commonly required by clients, landlords, and contracts.
How much general liability insurance do I need?
Many small businesses start with $1M/$2M limits, but coverage should match your risk and contracts.
Is general liability insurance expensive?
For many small businesses, it’s very affordable—often just a few hundred dollars per year.
Can you provide proof of insurance quickly?
Yes. We issue Certificates of Insurance promptly so you can move forward with jobs and leases.
Protect Your Business From the Unexpected
One accident or claim shouldn’t put everything you’ve built at risk. Business owners across
Riverton,
Herriman,
South Jordan, and
Bluffdale rely on B&B Insurance for clear guidance, fast paperwork, and coverage that makes sense.