Business Insurance
General Liability Insurance
Protect your business from third-party claims including bodily injury, property damage, and advertising injury. Essential coverage for businesses that interact with customers, clients, or the public.
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What is General Liability Insurance?
General liability insurance helps protect your business from financial loss from claims of bodily injury, property damage, or personal and advertising injury caused by your business operations, products, or services.
It can cover legal fees, medical expenses, and damages if your business is found liable. Many clients and landlords require proof of general liability before signing contracts or leases.
Key Benefits
Common Uses for General Liability
Customer injury
A client slips and falls at your place of business
Property damage
Your work damages a client's property
Advertising claims
A competitor claims defamation or copyright issues
Contract requirements
Landlords or clients require a certificate of insurance
Frequently Asked Questions
General liability insurance covers third-party claims for bodily injury, property damage, and advertising injury against your business. It typically pays for legal defense costs, medical expenses, and settlements if your business is found liable.
General liability is not federally required, but many landlords, clients, and contracts require a certificate of insurance before doing business with you. Some states and industries have their own requirements. It is one of the most commonly required coverages for small businesses.
Costs vary based on your industry, revenue, location, and coverage limits. Many small businesses pay between $400 and $1,500 per year for general liability, but businesses in higher-risk industries or with higher revenue can pay significantly more. Always compare quotes from multiple providers.
General liability covers physical incidents bodily injury and property damage caused by your business operations. Professional liability (also called E&O) covers financial harm caused by errors, omissions, or negligence in your professional services or advice. Many businesses need both.
Related Coverage Options
Business Owner's Policy (BOP)
Bundles general liability and property coverage at a lower combined rate.
Learn more →Commercial Property Insurance
Protects buildings, equipment, and inventory from fire, theft, and weather.
Learn more →Workers' Compensation
Covers employee medical costs and lost wages from work-related injuries.
Learn more →Ready to Get General Liability Coverage?
Connect with providers who offer general liability insurance tailored for your industry and size.