General Liability Insurance
The claim comes from outside. You're the one named.
A customer slips in your lobby. A subcontractor puts a ladder through a client's window. A competitor says your ad crossed a line. General liability is the policy that answers when the claim comes from outside your business, and it is the one your landlord, your clients, and your contracts will ask to see. You get a named advisor who reads the requirements with you and makes sure the limits actually match what you signed.
Or call us directly:
Serving the DMV · Since 2007.
Who we serve
We protect businesses that are building something.
Retail & Multi-Location
Storefronts, franchises, and operations opening their second, fifth, or fifteenth location.
Restaurants & Hospitality
Full-service and quick-serve restaurants, caterers, and hospitality groups, where liquor liability, property, and the people behind the counter all need to be covered.
Government Contractors
GovCon firms navigating contract insurance requirements, from professional liability and cyber to bonding and the limits your contracts demand.
Professional Services
Law firms, consultancies, agencies, and accounting practices, including E&O and cyber.
Trades & Contractors
Electrical, plumbing, HVAC, roofing, and general contractors needing builders risk and bonding.
Growth-Stage Companies
Tech, biotech, and startup-scale operations whose coverage needs change every six months.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
What it covers
What general liability actually pays for.
General liability responds when someone outside your business is hurt, their property is damaged, or they claim your advertising harmed them. In practice that usually means four things: bodily injury to a customer or visitor, damage you cause to someone else's property, personal and advertising injury such as libel, slander, or copyright claims in your marketing, and the products or completed work you leave behind after the job is done.
Just as important is what it does not do. General liability does not cover your employees getting hurt, that is workers compensation. It does not cover mistakes in your professional advice or services, that is professional liability. It does not cover your own building or equipment, your vehicles, a data breach, or an employment claim from your own staff. Those are separate policies, and the gaps between them are exactly where businesses get surprised.
Most contracts and commercial leases require at least $1 million per occurrence and $2 million aggregate. Whether that is the right number for you depends on what you signed and what you actually do. We read the requirement with you rather than guessing at it.
Bodily injury & property damage
Personal & advertising injury
Products & completed operations
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Send us your current general liability policy and the contract or lease that requires it. We will tell you whether your limits actually satisfy what you signed, where the gaps sit between your GL and your other policies, and what you are paying for that you do not need. No pitch deck. No sales pressure. Just a real second opinion from people who do this for a living.
FAQ
Questions we hear about general liability.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
These answers are general summaries. What is actually covered is determined by the terms, conditions, exclusions, and limits of the policy issued to you, and requirements vary by state, carrier, and business.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.