General Liability Insurance
General liability covers the everyday, non-digital risks of running a business — a client who trips at your studio, damage to a co-working space, or property damage during a client visit. It's basic protection most contracts and leases require.
General Liability for Developers & Studios
Even a software business has physical-world exposure. General liability (GL) covers third-party bodily injury and property damage that has nothing to do with your code — and it's the coverage landlords, co-working spaces, and many clients require before you sign.
What GL Covers
- Bodily injury: A client or visitor injured at your office or studio
- Property damage: Damage you cause to a client's or landlord's property
- Premises liability: Slip-and-fall and similar incidents at your location
- Personal & advertising injury: Certain advertising-related claims
- Damage to rented space: Harm to a co-working or leased office
- Medical payments: Minor third-party injury costs without a lawsuit
Why Developers Still Need It
It's easy to assume a digital business has no GL exposure, but the moment you meet clients in person, rent desk space, or attend events with your gear, the risk is real. A spilled coffee on a client's laptop, a visitor tripping over a cable — these are GL claims. And almost every commercial lease and co-working agreement requires a GL certificate.
Bundled in a BOP
For most studios, GL is most cost-effective when bundled with property coverage in a Business Owners Policy (BOP). That combines third-party liability with protection for your laptops, monitors, and office equipment in one efficient package.
Certificates on Demand
Need a GL certificate for a venue, landlord, or client today? We issue certificates and additional insured endorsements same-day.
What's Covered
Frequently Asked Questions
Often yes. Many client contracts and co-working agreements require it regardless of how you work, and any in-person client meeting or event creates exposure. GL is inexpensive and frequently bundled into a BOP, so most studios carry it.
No. GL covers physical third-party injury and property damage only. Claims about your code or services failing are covered by Tech E&O and professional liability. Developers need both types of coverage.