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General Liability isn't just a certificate; it's a legal defense strategy. With 12 years in claims and a background training adjusters on complex liability and subrogation, we build policies that don't just look good on paper—they perform when your business is on the line.
Every business faces a unique mix of risk. Customer injuries, property damage, completed work exposure, and contractual requirements can all create serious liability.
At TrueSpan Group, we help business owners structure general liability coverage that matches how their operations actually function—so there are fewer surprises when a claim happens.
Many businesses—especially those under $100K in premium—are often underserved by larger firms. We focus on providing responsive service, practical guidance, and coverage that actually fits your business.
We work with a wide range of businesses across Kansas City and surrounding areas—especially small to mid-sized companies that need practical, responsive insurance guidance.
We also work with growing businesses and smaller commercial accounts that are often underserved by larger firms.
General liability insurance protects your business from some of the most common and costly claims. Here are the key coverages included in a typical policy.
Covers injuries to third parties caused by your business operations, whether at your location or on a jobsite.
Protects against damage to someone else’s property caused by your work, employees, or operations.
Crucial for contractors and service businesses. We ensure your policy covers the 'tail' of your work, protecting you from claims that arise months after the job is finished.
Applies if a product you sell, install, or distribute causes injury or damage.
Covers claims like libel, slander, copyright issues, and certain advertising-related exposures.
We prioritize policies that offer Defense Outside the Limits. This means your legal fees don't eat away at your $1M protection, ensuring you have the full policy amount available for settlements.
General liability is often paired with workers compensation, commercial auto, and umbrella policies to fully protect your business.
Most insurance agencies treat businesses like just another account. We don’t. At TrueSpan, we take the time to understand how your business actually operates—and we build coverage that protects you when it matters most.
We’re not just here to place a policy—we’re here to help you protect your business long-term.
We understand how real business risks develop—from customer interactions to operations and contracts—so your coverage actually fits how you operate.
We specialize in businesses often overlooked by large brokers—giving you faster responses, better service, and real attention.
If someone else is responsible for your loss, we don't just wait for the carrier. We understand the subrogation process inside and out, advocating to ensure your loss history remains clean and your deductible is recovered.
We pair strong standard carriers like CNA and Liberty Mutual with E&S flexibility—so you get solutions others can’t offer.
We work with contractors, service businesses, and local companies across Kansas City.
Work with an independent agency that understands your business, your risks, and how coverage actually performs when it matters most.
Serving Kansas City and surrounding areas across Missouri and Kansas, with additional service in Oklahoma, Washington, and Texas.
Find answers to what matters most about your coverage.
General liability insurance covers third-party bodily injury, property damage, and completed operations claims. It helps protect your business if someone is injured or their property is damaged because of your operations.
It’s not always legally required by the state, but many landlords, clients, and contracts require businesses to carry general liability insurance before starting work or moving into a space.
No. Employee injuries are covered under workers' compensation insurance, not general liability.
Completed operations covers claims that happen after your work is finished. For example, if a project you completed months ago causes damage now, this coverage helps protect your business from the resulting lawsuit.
Not always. If subcontractors are uninsured or your policy isn't properly structured, you could be held responsible for their work. It’s important to review how your specific policy handles subcontractor exposure.
Standard GL policies generally exclude the cost to repair your own faulty work, but they should cover the resulting damage caused by that work. Because I’ve trained adjusters on these specific coverage triggers, I can help you structure your policy to maximize protection and avoid the most common "workmanship" denials.
Coverage depends on your business type, contracts, and risk exposure. Many businesses carry $1M per occurrence and $2M aggregate, but higher limits or an umbrella may be needed for specific industries.
The cost depends on your industry, revenue, payroll, and claims history. We help structure policies that balance cost with proper protection. We also look for ways to lower your costs by ensuring your payroll and revenue classifications are accurate—avoiding expensive "audit surprises" at the end of the year.
Still have questions about your specific situation? Reach out—no pressure, just clear answers from a local expert.