General Liability Insurance
Protection against third-party claims for bodily injury, property damage, and personal injury. Essential for every business.
Get a QuoteWhat's Covered
Bodily Injury
Covers medical costs and legal fees if someone is injured on your premises or by your operations.
Property Damage
Covers damage you cause to someone else's property — like damaging a client's building while working.
Personal & Advertising Injury
Covers claims of libel, slander, copyright infringement, or false advertising in your marketing.
Medical Payments
Pays for minor medical expenses for guests injured on your property, regardless of fault.
Products Liability
Covers claims arising from products you sell or manufacture that cause harm to a customer.
$1M / $2M Limits
Most contracts require $1M per occurrence / $2M aggregate. We offer higher limits.
Who Needs General Liability?
Almost every business needs it — especially those with clients, customers, or public interaction.
Trucking Companies
Many broker and shipper contracts require GL coverage alongside truckers insurance.
Contractors & Trades
Electricians, plumbers, HVAC, painters — any trade that works on client property.
Retail & Restaurants
Protect against customer slips, falls, foodborne illness, and property damage claims.
Service Businesses
Cleaning companies, event planners, consultants — GL is the foundation of your risk management.
General Liability — Frequently Asked Questions
What does general liability insurance cover?
General liability covers third-party claims for: bodily injury (someone gets hurt on your property), property damage (you damage someone else's property), personal and advertising injury (libel, slander, copyright issues), and medical payments (minor injuries on your premises). It does not cover employee injuries (that's workers' comp), auto accidents (that's commercial auto), or professional errors (that's professional liability).
How much general liability coverage do I need?
Most contracts and leases require a minimum of $1 million per occurrence / $2 million aggregate. Some high-risk industries or large corporate clients may require $2M / $4M or more. We'll make sure your policy meets your specific requirements.
Is general liability included in a business owners policy (BOP)?
Yes — general liability is the core component of a Business Owners Policy (BOP). A BOP bundles GL with commercial property insurance, and sometimes crime and inland marine coverage. If you own or lease a business space, a BOP is often the most cost-effective way to get the coverage you need.
How much does general liability insurance cost?
General liability typically costs $500–$2,000 per year for a $1M policy, depending on your industry, revenue, and claims history. Low-risk businesses (consulting, office work) cost less; higher-risk businesses (construction, manufacturing) cost more. Bundling with other policies reduces the price.
Need General Liability?
Get a free general liability quote in minutes. We'll make sure you meet all your contract requirements.
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