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Bodily injury
Injuries to third parties on your premises or from your operations.
General liability insurance
General liability insurance for businesses
General liability is the third-party injury, property-damage, and legal-defense line for businesses.
Written from our Edina, Minnesota office for landlords, contractors, vendors, and other commercial clients who are asked for proof of coverage.
Why this coverage matters
Injury and damage to others is a separate line
General liability addresses bodily injury, property damage, and legal defense when a third party is involved. It does not replace coverage for your building, your inventory, or employee injuries.
Landlords, general contractors, and vendors often ask for proof of this coverage. That proof is a certificate, not the policy itself.
Coverage overview
What general liability generally addresses
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Property damage
Damage your operations cause to someone else’s property.
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Completed operations
Claims that arise after the work is finished and you have left the job site. Completed operations is part of general liability.
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Legal defense, advertising injury, and medical payments
Legal defense includes attorney fees, court costs, and settlements, even if the claim is groundless. Personal and advertising injury can include libel, slander, copyright infringement, or false advertising. Medical payments can cover minor medical expenses for injuries on your premises, regardless of fault.
Details
Explore coverage details
What general liability does not cover
Not your building or inventory. That is commercial property or a BOP on business insurance.
Not a certificate. A COI is proof of coverage for a third party, not the policy. Read certificates of insurance.
Not employee injuries. Workers compensation is a separate line.
Who asks for it: landlords, GCs, and vendors
Landlords, general contractors, and vendors ask for proof they are covered. That proof is a certificate.
Can I get a certificate of insurance the same day?
Can I get a certificate of insurance the same day?
Standard certificates that show existing coverage are often issued the same business day for current clients. Additional insured endorsements or coverage changes can require underwriting or carrier approval and may take longer.
Related coverage
A contractor package (general liability, tools, and builder’s risk) is contractors insurance.
A BOP (property plus liability plus interruption for small to mid-size companies) is business insurance.
Your own building or inventory is commercial property.
What is Burch Insurance Group?
What is Burch Insurance Group?
Burch Insurance Group is a commercial insurance brokerage based in Edina, Minnesota, licensed in 15 states, with the ability to arrange coverage in others for qualifying accounts.
Service area, licensing, and office
Where is the office and what is the phone number?
The office is at 5021 Vernon Ave S #161, Edina, MN 55436. Call (612) 712-6407.
Do you place general liability insurance outside Minnesota?
Burch Insurance Group is a commercial insurance brokerage based in Edina, Minnesota, licensed in 15 states, with the ability to arrange coverage in others for qualifying accounts.
Service
Proof of coverage when a contract asks for it
The policy is the coverage. The certificate is the snapshot a landlord, GC, or vendor asks to see.
- Coverage first, then the certificate A certificate describes the policy; it does not change it.
- Completed operations stays on this form Claims can arise after the work is finished and you have left the job site.
- Related lines stay in their place Buildings, inventory, and employee injuries are reviewed on their own pages.
How a review works
Three steps from first call to options
Tell us about the operations
Premises, work away from the shop, contracts, and the certificates you already get asked for.
We review the risk and markets
The team looks at the exposure and available commercial markets for that liability.
A BIG team member follows up
You receive options, questions, and next steps from a person who stays on the account.
Edina, Minnesota
Request a general liability review
Share the operations, contracts, and timing. We will review the risk and follow up with next steps.