---
title: "General Liability Insurance"
description: "Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready."
canonical: "https://spot.insure/insurance/general-liability"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/general-liability)

## Agent Guide

**What this page is:** Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Spot for General Liability Insurance

Get quotes from general liability insurance providers with Spot.

We get your general liability quotes, help you buy the right one and have certificates ready when a landlord or customer asks for proof.

- Limits and insureds checked against your lease and contracts
- Certificate and additional insured requests handled for you
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=general-liability). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **Tell us what your business does.** Your Spot team collects your operations, locations, off-site work, products and current policy, along with the sales, payroll or floor-area figures insurers price on, and turns them into a submission.
2. **Compare quotes on more than price.** We work with brokers to take your submission to market, then line up each proposal’s per-occurrence limit, aggregates, defense terms, insureds and exclusions so you know what you’re buying before you bind.
3. **Check a lease or contract before you sign.** Send the lease or contract. Spot checks the required limits and additional insured wording against your policy and flags anything that needs an endorsement or a higher limit.
4. **Get your certificate when someone asks.** When a landlord or customer asks for proof of insurance, ask in your shared Slack channel. Your Spot team prepares the certificate from your policy and works with your broker on any endorsement it needs.

## Who we help

- **Businesses signing a lease.** Landlords usually require general liability and ask to be added as an additional insured before you get the keys.
- **Contractors and service businesses.** Your work happens on someone else’s property, and customers want proof of coverage before you start.
- **Companies selling to larger customers.** Vendor onboarding asks for a certificate of insurance with set limits before the first invoice clears.
- **Product sellers.** Claims can arrive after a product leaves your hands, so the products and completed-operations aggregate matters as much as the headline limit.
- **Offices and storefronts that welcome visitors.** A visitor tripping in your reception is the claim general liability was built for.

## When to get this coverage

- **You’re signing a new lease.** The lease sets liability limits and names the landlord as an additional insured. Check the clause before you sign, while there’s still time to adjust the policy or the lease.
- **A customer’s procurement team wants a certificate.** Their vendor requirements name limits and wording your current policy may not meet. Finding out early keeps the deal from stalling at onboarding.
- **Your renewal is coming up.** Your revenue, payroll or locations changed since last year. Update the figures insurers price on and compare the market again instead of accepting the renewal as sent.
- **You opened a new location or company.** Confirm the policy still names every business and premises you operate. A new subsidiary or site isn’t always picked up on its own.
- **You need your first policy.** You’re opening to customers, starting site work or signing your first contract, and the coverage has to be in place before the work begins.

## Common questions

Also known as commercial general liability insurance, CGL insurance, GL insurance, business liability insurance and public liability insurance.

### Do I have to leave my broker to use Spot?

No. Spot works alongside brokers and takes no commissions on premiums. Keep your broker and we’ll work with them, or switch if you want a different one.

### Does general liability cover my own building or equipment?

No. General liability addresses claims from others for injury or damage to their property. Your own building, tools and stock need property coverage, which a business owner’s policy can package with liability.

### Can Spot add a landlord or customer as an additional insured?

Spot reads what the lease or contract asks for and works with your broker to request the endorsement from your insurer. Once it’s on the policy, we get the certificate ready.

### What do I need to get general liability quotes?

A description of your operations, locations, off-site work and products, your current policy if you have one, and your sales, payroll or floor area. Your Spot team helps fill in what’s missing.

### Will general liability cover a client’s claim that my advice cost them money?

No. A client’s financial loss from your professional services is a professional liability question. If your business needs both, Spot takes them to market together.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)