General Liability Insurance Wisconsin

Coverage Overview
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Core Protection For Customer Injuries And Damage

General liability insurance helps when a third party claims bodily injury, property damage, or personal and advertising injury caused by your business. It can fund legal defense and covered settlements, whether a slip-and-fall at your shop or damage at a client's site. T4 Insurance Solutions helps Jackson and Washington County businesses set limits that meet contracts and real-world risk.

Who Needs General Liability
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From Home Offices To Busy Job Sites

Nearly every Wisconsin business benefits from GL coverage, including contractors, retailers, and professional offices. Landlords and property managers often require it in leases, and many project owners mandate proof before work begins. We issue certificates quickly so you can stay on schedule.

Policy Details And Limits
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Choose Limits That Match Your Exposure

A common starting point is 1 million per occurrence and 2 million aggregate, with higher options available. For extra protection, an umbrella policy can extend above GL and other liability lines. We will explain exclusions and connect related coverages such as property, workers comp, and commercial auto when needed.

What GL Does Not Cover
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Fill Gaps With The Right Policies

General liability does not cover your own building or equipment, employee injuries, or vehicle accidents. Those needs are met by a Business Owners Policy, Workers' Compensation, and Commercial Auto insurance. Our advisors will assemble the right package for your size and industry.

Pricing Built On Risk And Operations

Premiums depend on your industry class, revenue or payroll, claims history, and chosen limits. A roofing contractor in Milwaukee County faces different pricing than a consultant in Jackson. T4 Insurance Solutions shops multiple carriers to find value without sacrificing important protections.

Straight Answers For Wisconsin Owners

  • Do I need GL if I formed an LLC

    Yes. An LLC may protect personal assets, but your business can still be sued and held liable. GL provides funds for defense and covered claims against the company itself.

  • Does GL cover employees who get hurt

    No. Employee injuries fall under workers compensation. GL covers customers and the public who allege injury or property damage from your operations.

    Review Coverage

  • Will GL cover damage to my own property

    It covers damage to others, not your business property. Protect your building and equipment with a BOP or commercial property policy. We can bundle these for savings and simplicity.

  • Do I need GL for a home-based business

    Yes, because client visits, deliveries, or off-site work can still trigger liability claims. Many contracts also require proof of coverage regardless of location. We will right-size limits for your operation.

Local Advisors, Fast Certificates

From Jackson to Brookfield and Milwaukee, T4 Insurance Solutions supports small businesses with responsive service and clear guidance. Send your current policy or contract requirements and we will match coverage quickly.