General Liability Insurance
General liability protects your business against third-party claims of bodily injury and property damage — a customer hurt at your parts counter, a visitor injured on your premises, or damage to a third party's property.
General Liability for Performance & Tuner Businesses
General liability is the broad third-party liability foundation for any business that has customers, vendors, and visitors on site. For a tuner shop with a retail counter, a waiting area, and foot traffic, it covers the everyday injury and property-damage exposures that aren't tied specifically to working on a vehicle.
What GL Covers
- Bodily injury: A customer trips at the parts counter or in the showroom
- Property damage: Your operations damage a third party's property
- Personal & advertising injury: Libel, slander, and advertising-related claims
- Medical payments: Minor injuries handled without a lawsuit
- Premises liability: Slip-and-fall across your retail and customer areas
GL and Garage Liability Together
A pure parts retailer may need general liability as its primary policy. A full-service tuner shop usually needs garage liability for the auto exposure plus general liability (or a package) for the broader premises and products exposure. We structure the combination that fits how your business actually operates — retail, service, or both.
Products Exposure
If you sell performance parts, your products liability exposure is significant — that's addressed under products & completed operations, which is often packaged with GL. See that coverage for detail.
Certificate Requirements
Commercial landlords, malls, parts distributors, and event venues typically require GL with them named as additional insured. Standard limits are $1M per occurrence / $2M aggregate. We issue certificates same-day.
What's Covered
Frequently Asked Questions
Often yes. Garage liability handles the auto-specific exposure; general liability (or a package policy) broadens coverage for premises, retail, and products exposure. Parts-only retailers may carry GL as their primary policy. We help you pick the right structure.
$1M per occurrence / $2M aggregate is standard. Landlords, distributors, and event venues commonly require this minimum plus an additional insured endorsement, which we issue same-day.