General Liability Insurance That Shields Your Business in Central Minnesota

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

Accidents happen—even when you do everything right. At Cornerstone Insurance, we help businesses across Central Minnesota stay protected with general liability insurance that covers the unexpected.


Whether a customer slips at your storefront, property is accidentally damaged on a job, or a lawsuit is filed over advertising, we’ll help you put the right safeguards in place. Based in St. Stephen, MN, we understand the risks local businesses face and how to cover them clearly and confidently.

What General Liability Insurance Covers

This foundational policy helps protect your business from third-party claims involving injury, property damage, and more.

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Bodily Injury Liability

Covers medical costs and legal expenses if someone is hurt on your premises or because of your operations.

Property Damage Liability

Pays for damage caused to another person’s property during the course of business.

Personal & Advertising Injury

Covers claims involving libel, slander, copyright infringement, or misused advertising.

Legal Defense & Settlements

Helps pay attorney fees, court costs, and settlement amounts—even if you’re not found at fault.

Additional Coverage Options to Consider

Products & Completed Operations Liability

Protection if your product or completed work causes harm after delivery.

Contractual Liability Coverage

Extends liability protection to obligations you assume through business contracts.

Hired & Non-Owned Auto Liability

Covers rented vehicles or employee-owned cars used for business purposes.

Commercial Umbrella Insurance

Boosts your liability limits beyond what general liability and other core policies cover.

Why Small Business Owners Work With Cornerstone

Lawsuits Are Expensive. General Liability Protects You From the Fallout. 

Even small claims can cost thousands in legal fees, settlements, or damages. That’s why general liability is considered essential for nearly every business—whether you operate from an office, storefront, or farm.


At Cornerstone Insurance, we work with a wide range of Central MN businesses to make sure their liability coverage is clear, appropriate, and up to date.


  • Protection that grows with your business
  • Independent guidance from local agents
  • Easy-to-reach support if you need to file a claim

General Liability Insurance FAQs

  • Is general liability required in Minnesota?

    It’s not legally required, but it’s highly recommended. Many landlords, lenders, and contracts require proof of liability insurance.

  • What’s not covered under general liability?

    It doesn’t cover employee injuries (that’s workers’ comp) or damage to your own property. We’ll help you fill in any gaps.

  • Can I bundle general liability with property insurance?

    Yes. Many small businesses opt for a Business Owner’s Policy (BOP) that includes both.

  • How much general liability coverage do I need?

    It depends on your industry, operations, and level of exposure. We’ll help you assess the right limits for your business.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Put the Right Protection in Place

At Cornerstone Insurance, we help Central Minnesota business owners build liability protection they can count on—without guesswork or gaps. Let’s talk through your risks and set your business up for the long run.