Most businesses should carry at least $1,000,000 per occurrence and $2,000,000 in aggregate general liability coverage — this is the standard required by commercial landlords, government contracts, and general contractors nationwide. Higher-risk industries like construction, manufacturing, and hospitality may need $2,000,000 per occurrence or a commercial umbrella policy for additional protection. State-specific requirements vary — the Louisiana State Licensing Board specifies minimums by contractor classification, while Georgia film studios often require $2M per occurrence from vendors.
Bridgeway Insurance Agency can assess your specific risk profile and recommend appropriate limits. Request your free quote today.
