Protect Your Business Against Everyday Risks

Running a business comes with enough challenges—don’t let an unexpected lawsuit be one of them. General Liability Insurance from The Catawba River Insurance Group gives businesses across Hickory, Charlotte, Lenoir, Blowing Rock, and beyond peace of mind and protection. Whether you operate a small local shop or manage a growing company, we’ll help you build a policy that keeps you covered.

Looking for protection for security firms, PI services, or surveillance work?  View our  Specialty Insurance Programs.

What General Liability Insurance Covers

General liability policies are designed to protect your business from the most common risks associated with day-to-day operations. It’s essential coverage for almost every business.

  • Bodily injury claims (if a customer is injured at your business)
  • Property damage caused to third parties
  • Legal defense and court costs
  • Personal and advertising injury (like libel, slander, or copyright infringement)

Businesses That Need General Liability Insurance

If you interact with clients, customers, vendors, or the general public, you need general liability protection. It's often required for contracts, leases, and licenses.

  • Retail shops, restaurants, and service businesses
  • Contractors, trades, and construction companies
  • Professional offices (consultants, advisors, real estate agents)
  • Manufacturers and wholesalers

Smart Business Protection Across Hickory, Charlotte, Blowing Rock, and Beyond

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Essential Protection for Businesses of Every Size

Accidents happen. With the right liability protection, your business can face them with confidence.

Slip-and-Fall & Premises Liability
Covers bodily injury or property damage that happens at your business location or job site.

Completed Operations & Product Liability
Protects against claims from services you've finished or products you've sold.

Advertising & Personal Injury Coverage
Helps if you’re accused of slander, copyright infringement, or false advertising.

Legal Fees & Settlement Support
We help cover the costs of defending your business in court, including settlements if necessary.

FAQs

  • Is general liability insurance required by law?

    It’s not legally required in most cases—but many landlords, clients, and vendors will require it before doing business with you.

  • How much general liability coverage does my business need?

    Coverage amounts vary, but $1 million per occurrence is a common starting point. We’ll help you assess your risk and customize limits.

  • Does general liability insurance cover employee injuries?

    No. Employee injuries are covered under Workers’ Compensation Insurance.

  • Can I bundle general liability with other coverages?

    Yes! Many small businesses benefit from a Business Owner’s Policy (BOP), which bundles general liability with property coverage at a discount.

Protect Your Business with The CRIG