General Liability Insurance

Every business faces risk. At F&T Insurance Agency, we help companies across Massachusetts, Rhode Island, Connecticut, and New York protect themselves with clear, dependable general liability coverage—so you can focus on your work, not worry.

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Protection That Works

General Liability Coverage That’s Clear

From contractors in Springfield to retail shops in Warwick, we serve businesses of all sizes with general liability insurance companies can trust. We help you understand your exposure, choose smart coverage limits, and stay protected if things don’t go as planned.

Slip & Fall Protection

Injuries happen, especially in client-facing businesses. Our business liability coverage includes protection for customer accidents on your property.

Property Damage Liability

If your work causes damage to another person’s property—like a broken pipe or scratched floor—we offer commercial liability insurance businesses rely on to cover repair costs and legal claims.

Legal Fees & Settlements

Our general liability policies include coverage for lawsuits, court costs, and settlements that could otherwise strain your business finances.

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What Business Owners Ask

  • What does general liability insurance cover?

    It typically includes bodily injury, property damage, personal injury, and legal defense. We tailor policies to your business’s actual risks.


  • Is it required by law in Massachusetts?

    Not always legally required, but it’s often needed for leases, contracts, or vendor relationships. We help you stay compliant and prepared.


  • Does general liability cover employees?

    No. For employee injuries, you need workers’ comp. General liability covers third-party claims (customers, vendors, etc.).


  • Can I bundle this with other business insurance?

    Yes. We help you bundle general liability with property, auto, and more for full protection and potential savings.

  • What’s the best way to get affordable liability insurance?

    We compare policies from trusted general liability providers MA-wide to find strong coverage that fits your budget.

Support You Can Trust

Let’s Protect Your Business

Whether you’re just getting started or growing fast, F&T Insurance Agency is your partner for smart protection. We guide you through every decision—from choosing the right general liability limits to helping you navigate a claim. Real help. No stress.

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