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General Liability Insurance

Protect your business from third-party claims

Affordable general liability coverage with same-day certificates of insurance.

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What's included

  • $1M / $2M standard limits
  • Bodily injury and property damage
  • Personal & advertising injury
  • Additional insured certificates
$540
Average customer savings

What's included

Everything you need from general liability coverage

$1M / $2M standard limits

Bodily injury and property damage

Personal & advertising injury

Additional insured certificates

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General liability insurance is the foundation of any business insurance program. It protects your business from third-party claims of bodily injury, property damage, and personal or advertising injury — the kinds of claims that can result in expensive lawsuits that put your business at risk. Whether you're a contractor, retailer, consultant, or service business, general liability coverage is essential and often required by clients and landlords.

What Does General Liability Insurance Cover?

General liability insurance covers three main categories of claims. Bodily injury coverage pays for medical expenses, lost wages, and legal costs if a third party (a customer, client, or visitor) is injured as a result of your business operations. Property damage coverage pays for damage your business causes to someone else's property. Personal and advertising injury coverage protects against claims of libel, slander, copyright infringement, and false advertising. Standard GL policies come with $1 million per occurrence and $2 million aggregate limits, though higher limits are available.

Who Needs General Liability Insurance?

Almost every business needs general liability insurance. Contractors and tradespeople need it to qualify for jobs and meet client contract requirements. Retailers and restaurants need it to protect against slip-and-fall accidents on their premises. Consultants and service businesses need it to protect against claims that their work caused harm. Landlords and property managers need it to cover incidents on their properties. Many commercial leases require proof of general liability coverage, and nearly all government contracts mandate it.

How Much Does General Liability Insurance Cost?

General liability premiums vary based on your industry, annual revenue, number of employees, location, and coverage limits. Low-risk businesses like consultants or IT firms might pay $400–$800/year. Moderate-risk businesses like retailers or restaurants typically pay $1,000–$3,000/year. Higher-risk businesses like contractors or manufacturers may pay $3,000–$10,000+ depending on their operations and payroll. Getting quotes from multiple carriers is essential because pricing varies significantly.

General Liability vs. Professional Liability

Many business owners confuse general liability and professional liability (Errors & Omissions). General liability covers physical risks — someone getting hurt or property getting damaged. Professional liability covers financial risks — a client claiming your professional advice or services caused them a financial loss. If you provide professional services or advice, you likely need both. A business owner's policy (BOP) often bundles general liability with commercial property insurance at a discount.

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