General Liability Insurance
Guardian Insurance Agency
Claims happen. People slip. Things break. Words bruise.
A moment turns into a lawsuit. Money leaves fast. Time goes with it.
You need a shield. You need it before the trouble starts.
What this coverage does
We cover bodily injury to others.
We cover damage to their property.
We cover personal and advertising injury—libel, slander, some ad mistakes.
We cover medical payments for small hurts, no‑fault.
It keeps you in the fight. It keeps cash from bleeding out.
Simple. Strong. Straight.
What it does not do
Some risks need their own guard.
- Bad advice and professional mistakes: That’s E&O / Professional Liability.
- Your workers’ injuries: That’s Workers’ Compensation.
- Vehicles on the road: That’s Commercial Auto.
- Claims from hiring and firing: That’s EPLI.
- Damage to your own stuff: That’s Commercial Property.
We place those too. We close gaps. We keep the line tight.
When you need it
If you meet clients at your place. Or theirs.
If you touch their tools, gear, or space.
If a lease, vendor agreement, or contract asks for a certificate of insurance.
If they want Additional Insured, Primary & Non‑Contributory, or Waiver of Subrogation.
Then you need it. Before you sign. Before you step on site.
What drives the price
Your trade. Your place. Your size.
How many people. How much revenue.
Claims you’ve had.
Limits you choose. Deductibles you carry.
Endorsements you add.
Safeguards on the ground—training, signs, maintenance, clean floors.
Good endorsements to add
- Additional Insured (by contract or blanket).
- Primary & Non‑Contributory wording.
- Waiver of Subrogation.
- Per‑project / per‑location aggregates.
- Products–Completed Operations for work after work.
- Clear Contractual Liability terms.
Small lines on paper. Big help when things go wrong.
The Guardian way
We read your contracts.
We right‑size your limits.
We build a clean stack—GL, Auto, WC, Property, E&O, EPLI—so no hole is left open.
We turn COIs fast. We stand watch.
Call
123-456-7890
abc123@xyz
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