HomeServicesAboutReferral Program
Get a Quote

General Liability Insurance

Protect your business from third-party claims of bodily injury, property damage, and personal injury. Essential coverage for businesses of all sizes.

Get a Free Quote

What is General Liability Insurance?

General Liability (GL) insurance is fundamental protection for any business that interacts with customers, clients, or the public. It covers your business if someone claims they were injured by your operations or if you damage their property.

Think of it as your business's first line of defense against lawsuits and claims. Without it, a single accident could cost your business thousands or even millions in legal fees and settlements.

Most contracts, leases, and client agreements require proof of general liability insurance before you can start work. It's not just smart business - it's often mandatory.

What General Liability Insurance Covers

Bodily Injury

Covers medical expenses and legal costs if someone is injured at your business location or due to your operations. Includes customer injuries, vendor accidents, and public incidents.

Property Damage

Protects you if your work or operations damage someone else's property. This could be equipment damage, building damage, or damage to client property during service.

Personal & Advertising Injury

Covers claims of libel, slander, copyright infringement, or wrongful eviction. Protects your business against non-physical injuries to someone's reputation or rights.

Products/Completed Operations

Covers injuries or damages that occur after you complete work or deliver products. Essential for contractors and anyone who provides products or completed services.

Who Needs General Liability Insurance?

Almost every business needs general liability insurance. Here are some common industries:

General Contractors
Electricians
Plumbers
HVAC Contractors
Landscapers
Cleaning Services
Restaurants
Retail Stores
Consultants
Event Planners
Property Managers
IT Services

Frequently Asked Questions

What does general liability insurance cover?

+
General liability insurance covers third-party bodily injury, property damage, personal and advertising injury, and products/completed operations. It protects your business if someone is injured on your property, you damage client property, or your work causes harm after completion.

Who needs general liability insurance?

+
Almost every business needs general liability insurance. It's essential for contractors, service providers, retail shops, restaurants, and any business that interacts with customers or the public. Many clients and contracts require proof of general liability coverage before starting work.

How much does general liability insurance cost?

+
The cost depends on your industry, revenue, number of employees, location, and coverage limits. Small businesses typically pay between $400-$1,500 annually for $1 million in coverage. High-risk industries like construction may pay more. Get a custom quote for accurate pricing.

What are typical coverage limits?

+
The most common coverage structure is $1 million per occurrence and $2 million aggregate ($1M/$2M). However, many contracts require higher limits like $2M/$4M or even $5M/$10M. We'll help you determine the right limits for your business and contracts.

Does general liability cover my employees?

+
No, general liability does not cover your own employees. For employee injuries, you need workers' compensation insurance. General liability specifically covers third parties - customers, clients, visitors, and the general public.

Can I get same-day coverage?

+
Yes! In many cases, we can bind coverage and issue certificates of insurance the same day. This is especially important when you need to start a job immediately or meet contract deadlines.

Ready to Protect Your Business?

Get a customized general liability insurance quote in minutes. We'll shop 100+ carriers to find you the best coverage at the best price.

Get Your Free QuoteView All Services