General Liability Insurance in Delaware & Maryland

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Protect Your Business From Everyday Risks

Coverage That Shields You From the Unexpected

General liability insurance is one of the most important policies any business can carry. It protects your operation if someone gets hurt on your property or claims you caused damage to their property or reputation. Whether you run a small shop in Dover, manage a landscaping crew in Easton, or operate a coastal rental property, general liability insurance helps protect what you’ve built. We work with businesses across Delaware and Maryland to craft straightforward, effective policies that meet legal requirements and real-world needs—without paying for unnecessary extras.

 What Does General Liability Insurance Cover?

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Bodily Injury

Covers costs if a customer, vendor, or other third party is injured at your place of business or due to your operations.

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Property Damage

Pays for accidental damage to someone else’s property caused by your business activities—on or off your premises.

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Personal & Advertising Injury

Covers claims like libel, slander, or copyright infringement that may arise from advertising or marketing your services.

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Medical Payments

Offers limited payment for injuries without requiring a lawsuit, helping resolve issues quickly and without conflict.

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Legal Defense Costs

Helps cover attorney fees, court costs, and settlements—even if the claim against you is unfounded.

Let’s make sure you’re protected.

If your business works with people, property, or the public—you likely need general liability coverage.

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Helping Local Businesses Avoid Costly Surprises

A single claim can derail your finances, your reputation, or both. General liability insurance gives you a foundation of protection, and our local expertise helps ensure your policy actually fits the risks you face in this region.

Benefits of having insurance with us:

  • Access to multiple carriers and competitive pricing
  • Local agents who understand Delaware & Maryland business laws
  • Clear guidance on contract and lease insurance requirements
  • Help bundling with property or professional liability policies
  • Personalized service with fast turnaround on quotes and renewals
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Answering Common Coverage Questions

General Liability Insurance FAQs

  • Is general liability insurance required by law?

    Not always, but it’s often required by landlords, lenders, and clients. Even if it’s not legally required, it’s strongly recommended for nearly all businesses.

  • Does general liability cover my employees?

    No. For employee injuries or illnesses, you’ll need workers’ compensation insurance. We can help you get that set up too.

  • Can I get a certificate of insurance (COI) for jobs or contracts?

    Yes. We provide quick turnaround on COIs when you need to show proof of coverage to a client, vendor, or city permitting office.

  • What’s the difference between general liability and professional liability?

    General liability covers physical claims like bodily injury or property damage. Professional liability (or E&O) covers financial loss due to mistakes or negligence in your work.