Protect your business from
costly lawsuits.
One slip-and-fall accident or damaged client property can bankrupt your company. General Liability Insurance is your first line of defense, providing legal attorneys and covering massive settlements.
- Instantly satisfy commercial lease and landlord requirements.
- Win more bids by proving to clients you are fully insured.
- Pays for top-tier legal defense, even if the lawsuit is baseless.
Customer & Third-Party Injuries
If a customer slips on a wet floor in your shop, or trips over a cord at your job site, this covers their medical bills and subsequent lawsuits.
Client Property Damage
If you accidentally spill coffee on a client's expensive server, or your equipment damages their hardwood floors, we pay to repair or replace it.
Advertising & Personal Injury
Protects your business from lawsuits claiming you infringed on a competitor's copyright in your ads, or committed libel/slander.
Get Your Liability Quote
Compare general liability rates tailored to your industry. Provide your certificate of insurance (COI) in minutes.
What Exactly Is Covered?
General Liability (GL) is the essential building block of your business protection strategy. It acts as a financial shield against the most common, everyday risks of running a company.
Bodily Injury
If a non-employee (like a customer or delivery person) is injured at your workplace, GL covers their emergency room bills, ongoing care, and any resulting lawsuits.
Property Damage
If you or your employees accidentally damage a client's property—like breaking a window during a delivery or sparking a fire while renovating—GL pays to fix it.
Advertising Injury
Defends your business if you are accused of copyright infringement in your marketing campaigns, libel, slander, or malicious prosecution against a competitor.
Legal Defense Costs
Even if a lawsuit against you is completely frivolous, you still have to hire lawyers. GL provides your legal defense and pays attorney fees, court costs, and settlements.
Liability Risk & Premium Estimator
A single slip-and-fall lawsuit averages over $30,000. Estimate your financial exposure versus the highly affordable cost of a monthly general liability premium.
Business Profile
Rates scale based on physical hazard exposure.
Revenue is used as a baseline indicator of business volume.
Risk vs. Protection Cost
Avg. Lawsuit Exposure
$35k+
Defense + Settlement Costs
Est. Monthly Premium
To completely transfer the risk
A standard customer slip-and-fall averages tens of thousands of dollars. Transfer this massive liability to an insurance carrier for roughly $2 a day.
*Educational tool. Lawsuit exposure is based on national averages for standard third-party injuries. Premium estimates are illustrative averages; actual rates depend heavily on exact business class, location, and claims history.
Know Your Coverage Limits
General Liability is crucial, but it doesn't cover everything. Many business owners are shocked to learn that GL excludes their employees and their own property. Don't leave gaps.
| Coverage Scenario | General Liability | Workers' Comp | Professional Liability |
|---|---|---|---|
| Client trips over a box in your store | Covered | Not Covered | Not Covered |
| Employee gets hurt moving inventory | Explicitly Excluded | Covered | Not Covered |
| Bad professional advice costs client money | Explicitly Excluded | Not Covered | Covered (E&O) |
| Your own office equipment is stolen | Not Covered | Not Covered | Need Commercial Property |
Who Legally Needs It?
While not technically required by federal law, operating without General Liability is practically impossible in modern commerce. You need it if you:
Sign Commercial Leases
Almost 100% of commercial landlords will refuse to hand over the keys until you provide a Certificate of Insurance (COI) proving you hold at least $1M in General Liability.
Work as a Subcontractor
General Contractors will not allow you on their job sites without proof of GL coverage, as they refuse to absorb your liability for accidents you cause.
Interact with the Public
If clients visit your office, you visit client homes, or customers walk into your retail store, your risk of a bodily injury lawsuit is incredibly high.
General Liability FAQs
Executive answers to keep your business fully compliant and protected.
Is General Liability the same as a Business Owner's Policy (BOP)?
No. General Liability is a standalone policy that covers third-party liabilities (lawsuits). A Business Owner's Policy (BOP) is a bundle that includes General Liability AND Commercial Property insurance to protect your physical assets (inventory, building, equipment). Many small businesses opt for a BOP because it's cheaper to bundle.
What is a Certificate of Insurance (COI)?
A COI is a standard one-page document issued by your insurance carrier that proves you have an active policy. When landlords or clients ask "Are you insured?", providing a COI with your General Liability limits is how you prove it. Our agents can generate these for you instantly.
Does it cover mistakes made by my employees?
It covers physical accidents caused by your employees (e.g., an employee drops a ladder on a client's car). However, it does NOT cover financial losses caused by your employees giving bad professional advice or making errors in service delivery. For that, you need Professional Liability (Errors & Omissions).