Commercial General Liability · Washington State
General Liability Insurance for Washington Contractors & Businesses
One claim can wipe out years of work. CGL protects your business from bodily injury, property damage, and lawsuit costs — so you can keep building.
What Commercial General Liability Covers
CGL is the foundational business insurance policy. Here's what it protects you from:
Bodily Injury
A client or third party is injured on your job site or as a result of your work. CGL pays their medical bills and your legal defense if they sue.
Property Damage
You accidentally damage a customer's property while performing work. CGL covers repair or replacement costs and any resulting lawsuit.
Completed Operations
A claim arises after the job is finished — a structure you built fails, or a repair causes damage later. Coverage follows you beyond project completion.
Personal & Advertising Injury
Covers libel, slander, copyright infringement, or false advertising claims made against your business.
Products Liability
If your business sells, manufactures, or distributes a product that causes harm, CGL covers the resulting claims.
Tenant's Legal Liability
Accidentally damage the commercial space you rent? CGL can cover fire, water, or structural damage caused to a landlord's property.
What CGL Does Not Cover
CGL is broad, but it has limits. These gaps are covered by separate policies — we can bundle them for you.
Who Needs General Liability Insurance?
General Contractors
Required by most GC licenses and project contracts in Washington.
Specialty Trades
Electricians, plumbers, HVAC, roofers, painters — any trade working on others' property.
Service Businesses
Landscapers, cleaners, consultants, and anyone entering client premises.
Retail & Restaurants
Slip-and-fall exposure, product liability, and premises coverage in one policy.
Common Coverage Limits
Most Washington contractors and small businesses choose one of these limit structures. We'll help you pick the right one for your contracts and risk exposure.
| Coverage | Limit | Best For |
|---|---|---|
| Per-Occurrence Limit | $1M / $2M | Most common for small contractors. Covers one claim up to $1M, $2M total per policy year. |
| Per-Occurrence Limit | $2M / $4M | Required by many commercial GCs and government contracts. Stronger protection for larger projects. |
| Additional Insured | Endorsement | GCs and property owners often require you to add them as additional insured — we handle this. |
Washington contractor tip: Many state and municipal contracts require a minimum $1M per-occurrence limit and may require you to name the agency as an additional insured. Always check your contract before binding.
Frequently Asked Questions
Get Your CGL Quote Today
Independent agency. Multiple carriers. We find the right general liability policy for your trade, your contracts, and your budget — fast.
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