General liability insurance provides protection that keeps up with your industry.

Get coverage for the uncertainties in business with general liability insurance.

Offers protection against the risk of damages.

When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious—but no less important—is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.

What insurance does and does not cover.

This policy mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client. It’s important to note that this type of coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance may help to protect your business from that specific type of risk.

  What is covered by general liability insurance?

Bodily injury, property damage, advertising injury, and medical payments are typically included.

  How much does general liability insurance cost?

The cost of your policy may vary depending on the industry type, location, and size of your business, as your risks will be different.

When is general liability insurance required?

Your business needs to have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before some businesses will sign a contract with you.

General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.

Frequently Asked Questions

What does general liability insurance cover?

General liability insurance protects businesses from third-party claims involving bodily injury, property damage, and personal/advertising injury (such as slander or libel). It covers legal defense costs, settlements, and medical expenses for non-employees injured by your operations, products, or on your premises.

What does general liability insurance NOT cover?

General liability insurance does not cover internal business risks such as employee injuries, damage to your own property, professional mistakes/negligence, or auto accidents during work. It primarily covers third-party bodily injury and property damage. Key exclusions include intentional acts, pollution, and cyberattacks.

When is general liability insurance required?

General liability insurance is rarely required by law, but it is essential when signing commercial leases, applying for business licenses, or complying with client contracts. It is strongly recommended if your business interacts with the public, visits client sites, or sells products to prevent high out-of-pocket costs.

How much does general liability insurance cost?

General liability insurance typically costs between 0 and $70 per month for small businesses, with a median cost of around $60 per month ($720 annually). Costs vary based on industry risk, location, and coverage limits, with many small, low-risk businesses paying as little as 0 monthly.

Does general liability insurance pay for legal defense costs?

Yes, general liability insurance typically pays for legal defense costs, including attorney fees, court costs, and witness fees, for covered claims like bodily injury or property damage. It covers these expenses even if the lawsuit is groundless, false, or fraudulent.