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General Liability Insurance

Comprehensive General Liability Insurance for Connecticut Business Owners

Secure your business against unforeseen risks and legal challenges with our tailored General Liability Insurance policies in Connecticut. Safeguard your assets and reputation, ensuring a solid foundation for your business to thrive and grow.

Protect Your Business from Everyday Risks and Legal Costs with General Liability Insurance

Running a business in Connecticut means dealing with daily challenges — but an unexpected accident, customer injury, or lawsuit shouldn’t take you off course. General Liability Insurance (also called Commercial General Liability or CGL) is a cornerstone of business protection that helps safeguard your finances, reputation, and future.

Business partners talking to each other

What is General Liability Insurance?

General liability insurance provides your business with coverage against claims brought by third parties. This includes protection from:

  • Bodily Injury: Medical expenses and legal costs if someone is hurt due to your operations

  • Property Damage: Pays for damage you cause to someone else’s property

  • Advertising & Personal Injury: Covers claims like slander, libel, or wrongful eviction

  • Legal Defense & Settlement Costs: Shields your business from expensive lawsuits

 

This foundational protection is essential for most businesses across industries — from retail and services to contractors and consultants.

Why Connecticut Businesses Need General Liability Insurance

​Even though Connecticut doesn’t legally require general liability insurance, most clients, landlords, and contracts do. Without proper coverage, a single claim — like a visitor slipping and falling, or property damage caused by your operations — can lead to costly defense fees or settlement payouts.

General liability insurance also:

  • Meets contract requirements for vendors and commercial leases

  • Builds trust with customers and partners

  • Helps protect your business’s financial stability

What General Liability Insurance Doesn’t Cover

It’s important to understand what isn’t included under standard general liability:

  • Employee injuries (covered under workers’ compensation)

  • Auto accidents involving company vehicles

  • Professional mistakes or advice (covered by professional liability / E&O)

  • Damage to your own business property

  • Intentional or criminal acts

 

If your business needs these protections, we can help you bundle the right policies for comprehensive coverage.

Typical Coverage Options & Add-Ons

While standard protection covers core liability risks, optional enhancements can safeguard additional exposures:

Standard Coverage

  • Bodily Injury

  • Property Damage

  • Advertising & Personal Injury

  • Legal Defense & Settlements

Optional Add-Ons

How Much Does General Liability Insurance Cost in Connecticut?

Your price depends on:

  • Business size and annual revenue

  • Industry risk level

  • Coverage limits and deductibles

  • Claims history

 

In Connecticut, small businesses often pay hundreds to a few thousand dollars per year for a general liability policy.

Who Needs General Liability Insurance in Connecticut?

Most for-profit businesses benefit from general liability coverage, including:

  • Retail stores

  • Contractors and service providers

  • Consultants and professional services

  • Restaurants and hospitality businesses

  • Landlords and property managers

 

Even if your business doesn’t face heavy foot traffic, you can still be at risk for claims related to property damage, advertising injury, and contractual requirements.

Why Choose an Independent Insurance Broker

At Insure Connecticut LLC, we offer:

  • Custom coverage tailored to your business

  • Access to multiple top carriers

  • Competitive rates and transparent pricing

  • Expert guidance through claim time and renewals

 

As an independent broker, we shop policies for your best fit — we don’t push one carrier.

Get Your Connecticut General Liability Quote Today

Protect your business’s future with the right liability coverage.

Frequently Asked Questions (FAQs)

Q: Is general liability insurance required in Connecticut?

A: Not by state law — but most landlords, clients, and contracts require proof of coverage before doing business.

Q: What limits should I choose?

A: Many Connecticut businesses opt for at least $1M per occurrence and $2M aggregate to meet contract requirements.

Q: Can general liability cover my employees?

A: No — employee injuries are handled by workers’ compensation insurance.

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