General Liability Insurance

Protect Your Business from the Unexpected in Connecticut

Whether you run a small shop in Hartford or a contracting business in rural CT, one thing is true: accidents happen—and they can be expensive. That’s why general liability insurance is one of the most essential protections your business can carry.



At Spectrum Insurance, we work with business owners across Connecticut to make sure you're covered when the unexpected turns into a lawsuit. We’ll help you understand what this coverage actually does (and doesn’t do), shop quotes from 25+ carriers, and make sure your business is protected without overpaying.

What Does General Liability Insurance Cover?

General liability insurance helps cover costs if your business is held legally responsible for:

• Bodily Injury — If a customer slips and falls at your location
• Property Damage — If your work damages someone else’s property
• Personal & Advertising Injury — If you're accused of libel, slander, or copyright infringement
• Legal Defense Costs — Even if the claim is baseless, the legal bills add up fast



In short, it protects your business from lawsuits and liability claims that could otherwise wipe out your finances.

A Real-World Example: The Case of the Café Table

Picture this: You're a small café owner in central Connecticut. It’s a busy Sunday brunch, and someone trips on a loose table leg, sprains their ankle, and ends up needing physical therapy. A week later, you get a letter—they’re suing for medical costs and lost wages.

Without general liability coverage, you’d be paying out-of-pocket for an attorney, settlement, and possibly medical expenses. With the right policy? You’re covered. You keep your doors open and your reputation intact.

Who Needs It?

Almost every business. If you interact with customers, clients, vendors—or just operate in a physical space—this coverage is a must.

Common industries we insure in Connecticut include:

• Contractors & Trades
• Restaurants & Cafés
• Retail Shops
• Professional Services
• Health & Wellness Providers
• Real Estate & Property Managers



Even home-based and mobile businesses can be held liable for damages or injuries.

Start Your Quote Today

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