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Essential Coverage for Every Business

General Liability Insurance

Accidents happen—even in the most careful workplaces. General liability insurance helps protect your business from costly claims related to injuries, property damage, or advertising issues. Johannes Agency provides general liability coverage for businesses across Minnesota and beyond, giving local business owners peace of mind and protection from the unexpected.

What’s Included in General Liability Coverage

General liability insurance forms the foundation of most commercial insurance programs. Coverage typically includes:

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Bodily Injury Liability

Covers medical and legal costs if someone is injured on your property or due to your operations.

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Property Damage Liability

Protects against damage to someone else’s property caused by your business.

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Personal & Advertising Injury

Covers claims such as libel, slander, or copyright infringement.

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Medical Payments

Pays for medical expenses for minor injuries to non-employees.

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Legal Defense Costs

Helps pay for attorney fees and court expenses related to covered claims.

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Products & Completed Operations

Protection for damages caused by your products or finished work.

Businesses That Benefit from Liability Protection

Nearly every business in Minnesota needs general liability insurance. Johannes Agency provides coverage for:

  • Retailers & Restaurants

    Protection from customer injuries and property claims.

  • Contractors & Tradespeople

    Contractor liability coverage built for jobsite and completed-operations risk, from framing crews to specialty trades.


  • Manufacturers & Distributors

    Liability for products and production processes.

  • Offices & Professional Services

    Coverage for visitors and advertising-related claims.

  • Nonprofits & Community Organizations

    Coverage for events and volunteer activities.

General Liability Insurance FAQs

Here are answers to common questions business owners ask about general liability insurance:

  • Is general liability required by law?

    Not always, but many landlords and clients require proof of coverage before signing leases or contracts. It’s one of the most important coverages for protecting your business from lawsuits.

  • Does general liability cover employees?

    No. Employee injuries are covered under workers’ compensation insurance. General liability covers third-party claims such as customers or vendors.

  • Can I combine general liability with property insurance?

    Yes. Many businesses combine these coverages under a Business Owners Policy (BOP) for convenience and savings.

  • Does it cover damage to my own property?

    No. General liability covers damage to others’ property. You’ll need commercial property insurance for your own buildings and assets.

  • How much coverage do I need?

    Most small to mid-sized businesses start with $1 million per occurrence, but your coverage limits should reflect your industry and risk exposure.