General Liability Insurance for Illinois Businesses

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General liability insurance protects Illinois businesses from third-party claims involving bodily injury, property damage, and advertising injury.

Whether you operate a restaurant, contracting business, security company, retail store, or service firm, liability exposure exists in everyday operations. A properly structured general liability policy helps protect your business from lawsuits and unexpected financial loss.

Based in Troy, Illinois, we work with business owners throughout the state to secure coverage built around real-world risk.

You need protection from common business-related claims like:

• Customer slip-and-fall injuries
• Property damage caused by your operations
• Product-related injury claims
• Advertising or reputational injury
• Legal defense costs and settlements

Even if a claim is groundless, legal defense expenses alone can be significant. General liability coverage helps cover attorney fees, court costs, and settlements associated with covered claims. 

General liability insurance is foundational protection for most Illinois businesses, including:

• Restaurants & Bars
• Contractors & Trades
• Security Companies
• Retail & Service Businesses
• Real Estate Investors
• Small Business Owners
   

Most commercial leases, vendor agreements, and contracts require proof of general liability coverage before work begins.

Standard policies often begin with:

• $1,000,000 per occurrence (incident or claim)
• $2,000,000 aggregate (this refers to the entire policy term, typically one year)
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However, businesses in higher-risk industries — such as towing companies, construction, or security — may require higher limits or umbrella coverage. We evaluate your contracts, operations, and exposure to help determine appropriate limits for your business.