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General Liability Insurance


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General liability insurance helps cover costs from claims of personal injury, property damage, reputational harm and advertising injury. General Liability Insurance helps cover the following:

  • A customer or client’s medical expenses if they slip and fall in your business
  • Legal costs to defend your business in a lawsuit or costs from judgements and settlements
  • Repair costs to fix damaged property on the job and more
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Does my business need General Liability Insurance?

General Liability Insurance, sometimes called business liability insurance or commercial general liability insurance, helps protect your business from claims of bodily injury and property damage. These kinds of claims may come up during normal business operations. Without coverage, you would have to pay for damages out of pocket.

What does General Liability Insurance Cover?

General Liability Insurance helps cover costs when you're responding to a claim that your business caused property damage or bodily injury. It can help you with the following:

Bodily Injury

Example: A customer's or vendor's medical expenses if they slip and fall on your business property.

Property Damage

Example: Repair costs to fix a wall that your employee accidentally damaged while working at a customer's home.

Legal Costs

Example: Defend your business from a lawsuit or cover costs from judgments or settlements arising from a lawsuit.

How do you get General Liability Insurance?

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Frequently asked questions



What is Liability Insurance?

This is a question many business owners ask. And they don’t just want to know what it is, they want to know if they need it. The truth is, liability insurance is an essential part of an insurance plan. General Liability Insurance help cover claims that your business caused bodily injury or property damage. This coverage is also known



What does General Liability Insurance Cover?

General Liability Insurance helps cover costly claims that can come up during normal business operations. If you don’t have coverage, you would have to cover these claims out of pocket, and not all businesses have the resources to do that. A General Liability Insurance policy helps cover claims that your business caused:

  • Third-party bodily injury: If a customer gets hurt after slipping and falling in your store, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.
  • Third-party property damage: If you or your employees work at a client’s house, your business faces a risk of causing property damage. Property damage liability coverage can help cover repair or replacement costs if your business damages someone else’s belongings.
  • Reputational harm: Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.
  • Advertising injury: Your business can get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.



What does General Liability Insurance not cover?

Be aware that general liability insurance doesn’t cover every kind of claim. For example, it doesn’t help your business with claims of:



What are other types of Liability Insurance?

In addition to General Liability Insurance, there are other types of liability insurance you can get:

  • Commercial umbrella insurance provides additional limits on top of some of your existing liability policies to help pay for expensive claims.
  • Employment practices liability insurance can help cover your legal defense costs and settlements or judgments if a current or former employee sues you for employment-related harassment, discrimination or wrongful termination.
  • Management liability insurance helps protect your business’ directors and officers from costly claims.
  • Commercial auto insurance helps protect you and your employees on the road if you’re driving a car for business.



Why do you need General Liability Insurance?

Liability claims aren’t uncommon and they can get expensive. In fact, 4 out of 10 small businesses will likely experience a liability claim in the next 10 years.** Slips and falls are the leading cause of emergency room visits.1 The average cost of this kind of claim is $35,000. If a claim leads to a lawsuit, it can increase its average cost to more than $75,000 to defend and settle.** Without general liability insurance, your business would have to pay for these costs out of pocket and it can put you out of business.

You may also need general liability insurance before you can work with other businesses. Some companies may ask you to provide proof of insurance, also known as a certificate of insurance.



What is the General Liability coverage that's right for your business?

Even though every business is unique, each one can benefit from having general liability coverage. We can work with you to customize your policy so you get the coverage amounts that are right for your business.

We’re backed by more than 200 years of experience and have helped over 1 million small business owners. We’re here to do the same for yours. Whether you’re wondering “what is general liability coverage,” need a quote or help going through the claims process, our specialists are here for you. They consistently receive top scores for customer satisfaction, so you can have peace of mind knowing they’ve got your back.

Get started online or call us at: 1 (855) 847-2414

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