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General Liability Insurance in Arizona

Coverage for the Everyday Side of Doing Business

Every business interacts with the public. Customers walk through your door, your crew works inside a client's home, and your products end up in someone else's hands. General liability insurance covers your responsibility when one of those everyday interactions leads to a claim of injury or damage. It is often the first policy a business puts in place.

At London Bridge Insurance, we start by learning how your business operates day to day. Then we explain your coverage in plain language, including where it stops and which policies may fill the gaps. We work with carriers such as Travelers, Liberty Mutual, and Chubb for businesses in Lake Havasu City, Mohave County, Phoenix, and across Arizona.

What General Liability Insurance Covers

• Bodily Injury: Claims that someone was hurt because of your business.
• Property Damage: Damage your business causes to someone else's property.
• Products and Completed Operations: Claims tied to products you sell or work you have finished.
• Personal and Advertising Injury: Claims such as libel, slander, or copyright issues.
• Legal Defense: Attorney fees and court costs to defend a covered claim.

What General Liability Does Not Cover

Damage to your own building and equipment falls under commercial property insurance. Employee injuries are handled by workers compensation, and business vehicles need commercial auto insurance. Many small businesses pair liability and property in a business owners policy.