General Liability Insurance is one of the most important protections a business can have. It covers the everyday risks that come with running a company, whether you operate out of a storefront, an office, or a job site. At Hallahan, McGuinness, & Lorys Ltd., we help business owners understand what they’re buying and make sure their coverage fits the way they actually work.

General Liability protects your business when claims arise from accidents, injuries, or property damage involving a third party. It’s often the foundation of a strong commercial insurance plan and is required for many leases, contracts, and vendor agreements.
When something goes wrong, you want a policy that responds the right way and an agent who advocates for you. That’s where we come in.

What General Liability Covers
General Liability typically includes protection for:
• Bodily Injury
Covers medical expenses, legal costs, and damages if a customer or third party is injured on your property or because of your operations.
• Property Damage
Protects your business if you accidentally damage someone else’s property during the course of your work.
• Personal and Advertising Injury
Covers claims involving slander, libel, copyright infringement in your advertising materials, and similar offenses.
• Medical Payments
Provides limited coverage for minor medical claims without requiring a lawsuit, which helps keep relationships and reputations intact.
These coverages help shield your business from expensive claims that could otherwise be financially devastating.

Who Needs General Liability?
Almost every business needs this coverage, including:
• Contractors and trades
• Retail shops
• Restaurants
• Professional offices
• Home based businesses
• Service companies
• Property owners and landlords
• Startups and small businesses
If you interact with customers, perform services, advertise your business, or work off site, General Liability should be part of your insurance plan.

Why Work With HML?
As an independent agency, we aren’t limited to one carrier. We shop rates among multiple companies to help you find the right mix of coverage and cost. You get options, clarity, and support from a family owned agency that’s been serving businesses since 1988.
We help you:
• Understand what you’re actually protected against
• Avoid common coverage gaps
• Meet contract or vendor requirements
• Update your policy as your business grows
• Navigate claims when the unexpected happensContact us
You’re not dealing with a call center. You’re dealing with a team that knows your business and cares about keeping it protected.

Get a Quote
If you’re starting a new business, renewing your coverage, or expanding your operations, we’re here to help. Have questions? Call us at 914-939-8895 and we’ll help you figure out the right fit.

Protect your business with coverage that actually fits the way you operate.