General Liability Insurance
General liability is the baseline business coverage. It protects against third-party claims of bodily injury or property damage — a client injured at your office, or damage you cause on someone else's premises — and is almost always required by office leases and client contracts.
General Liability for Web App Companies
Even a digital business has a physical footprint and real-world interactions: an office or coworking space, clients and vendors who visit, equipment you carry to a client site or conference. General liability covers the everyday third-party claims those interactions create, and it's the coverage your landlord and many clients require as a baseline.
What It Covers
- Bodily injury: A client or visitor injured at your office or a meeting
- Third-party property damage: Damage you cause to a client's or landlord's property
- Personal & advertising injury: Certain libel, slander, and advertising-related claims
- Medical payments: Minor third-party injuries without a lawsuit
Lease & Contract Requirements
Office and coworking leases almost always require tenants to carry general liability — typically $1M/$2M — and to name the landlord as additional insured. Many client master service agreements require GL alongside tech E&O and cyber. We issue the certificates and AI endorsements same-day.
Why It's Usually Bundled in a BOP
For most web app companies, general liability is most cost-effectively bought inside a Business Owner's Policy, which combines it with property coverage for your equipment. We'll show you both standalone and BOP options.
What's Covered
Frequently Asked Questions
Yes — it's the baseline almost every office lease and many client contracts require. It covers real-world third-party injury and property damage that even a digital business creates, and it's inexpensive, especially bundled in a BOP.
Yes. Office leases and client MSAs commonly require it. We issue certificates and additional-insured endorsements same-day so you can sign a lease or close a deal without delay.