General Liability Insurance in Indiana
Protect Your Business from the Unexpected with Indiana Liability Coverage
Accidents happen — even to the most careful business owners. That’s why general liability insurance is essential for protecting your business from costly lawsuits, property damage, or injury claims.
At Hadley Insurance, we help small businesses across Danville, Brownsburg, Hendricks County, and all of Indiana secure tailored general liability coverage. As a veteran-owned, independent agency, we make it easy to compare top carriers and get the protection you need.
What General Liability Insurance Covers
General liability protects your business from everyday risks and third-party claims, including:
- Bodily Injury – If someone is injured at your place of business or on a job site
- Property Damage – Covers repair or replacement if your business damages client property
- Legal Fees & Settlements – Pays for defense costs and judgments against you
- Product or Completed Work Claims – Protects you after a project or product is delivered
- Advertising Injury – Covers slander, libel, or copyright infringement related to marketing
Add-On Options for Indiana Businesses
Enhance your liability coverage with options such as:
- Umbrella liability coverage for higher limits
- Hired and non-owned auto liability
- Cyber liability for data breach exposures
- Professional liability (E&O) if you offer consulting or advice
Who Needs General Liability Insurance in Indiana?
If your business interacts with clients, customers, or the public — you need it. This includes:
- Contractors and skilled trades
- Small business owners
- Office-based professionals
- Retail shops, restaurants, and service providers
- Freelancers or consultants
Local Risks to Consider in Indiana
Operating in Indiana comes with unique liabilities:
- Customer injury on snowy walkways in winter
- Property damage during service calls or job site visits
- Libel or slander lawsuits tied to advertising claims
- Clients suing for alleged negligence in completed work
Frequently Asked Questions
General Liability Insurance in Indiana
Is general liability insurance required in Indiana?
It’s not legally required, but many clients and contracts demand proof before hiring a business.
How much general liability coverage do I need?
Most Indiana businesses carry at least $1M per occurrence. Higher-risk trades may need more.
What’s not covered under general liability?
It doesn’t cover your employees, vehicles, or professional advice — that’s where other policies come in.
Can I bundle this with other business insurance?
Yes. We often bundle general liability with property or a BOP (Business Owners Policy) to save money.
Do sole proprietors need liability insurance?
Absolutely. One lawsuit could jeopardize your personal assets — even for solo businesses.
Stay Protected Against the Unexpected
Indiana General Liability Insurance That Works for You
At Hadley Insurance, we help local businesses stay covered without overpaying. Serving Danville, Brownsburg, and all of Indiana, we’re here to help you move forward with confidence.