Commercial general liability that's actuallyclearspecifiedin forceyoursclear
The policy your contracts ask to see first. We read the requirements, place the limits your lease and clients actually demand, and get the certificate in your hands the same day. Independent, across 20+ carriers.
General liability, line by line.
What a GL policy actually covers, and where contractors and shops tend to come up short.
| Coverage | What it covers | Good to know |
|---|---|---|
| Bodily injury | A customer or visitor gets hurt because of your work or your premises | Medical bills, legal defense, and the settlement, all in one place |
| Property damage | You damage someone else's property on the job or at your site | Where most contractor GL claims actually live |
| Products and completed operations | Harm from your finished work after you have left the job | Highest-frequency exposure for trades. Carries its own separate limit, read it |
| Personal and advertising injury | Libel, slander, or copyright trouble in your ads or a customer dispute | Often capped lower than your per-occurrence limit |
| Medical payments | Small payments to an injured visitor, no fault required | Settles minor incidents before they grow into liability claims |
| Defense costs | The lawyer and court costs when a claim is filed against you | Ask whether defense sits outside the limit. On better policies it does |
Liability limits and additional-insured wording are set by your contracts. We match the policy to what they require.
Already carrying GL? Send us the policy and we will read it against your contracts, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
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Policy reviews, always
General liability, answered.
The questions business owners ask before they place a GL policy.
Most commercial leases and B2B contracts call for $1M per occurrence and $2M aggregate. Higher-risk work, like construction or anything public-facing, often calls for more, sometimes with an umbrella on top. We read your actual contracts and match the limits to them.
A business owners policy bundles general liability with commercial property and lost income, usually at a better combined rate than buying them apart. BOPs are limited to certain industries and sizes. We write both and place whichever fits your operation.
Usually yes. Once your GL is in force, send us the holder details and we turn the certificate around the same business day, in the wording your client or landlord requires.
It does not cover your own employees' injuries, that is workers' comp. It also leaves out damage to your own property, professional mistakes, and auto claims. We map those gaps and place the lines that fill them.
Most commercial quotes are back within 48 business hours once we have your details, often sooner. We reply to any question within 2 business hours.
Ready when you are
Send us your contract requirements and current GL. We will tell you what is missing, free.
Most businesses pair GL with
Business owners policy
Bundle general liability with commercial property and lost income in one package, usually at a better combined rate.
Explore BOPWorkers' compensation
GL covers outsiders; workers' comp covers your own people. Required the day you hire your first employee in KS or MO.
Explore workers' compCommercial umbrella
When a serious claim runs past your GL limit, umbrella is the layer that catches everything above it.
Explore umbrella