General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and advertising injury with comprehensive general liability coverage.
What is General Liability Insurance?
General liability insurance (GLI) is one of the most essential types of business insurance. It provides coverage for claims related to bodily injury, property damage, personal injury, and advertising injury that occur as a result of your business operations.
Whether you run a small retail shop, operate a consulting firm, or manage a construction company, general liability insurance protects your business assets and helps cover legal costs if someone sues your business.
What Does General Liability Cover?
Bodily Injury
Medical expenses and legal costs if someone is injured on your business premises or as a result of your business operations.
Property Damage
Coverage for damage to someone else's property caused by your business activities or employees.
Personal & Advertising Injury
Protection against claims of libel, slander, copyright infringement, and other non-physical injuries.
Legal Defense Costs
Covers attorney fees, court costs, and settlements even if the lawsuit is groundless.
Who Needs General Liability Insurance?
Nearly every business can benefit from general liability insurance, but it's especially important for:
How Much Does It Cost?
The cost of general liability insurance varies based on several factors:
- •Industry type: Higher-risk industries pay more
- •Business size: Revenue and number of employees
- •Coverage limits: Higher limits mean higher premiums
- •Location: Risk levels vary by state and region
$500 - $3,000/year
Average cost for small businesses with standard coverage
Common Exclusions
General liability insurance typically does NOT cover:
- ×Professional mistakes or malpractice (requires professional liability insurance)
- ×Employee injuries (requires workers' compensation insurance)
- ×Damage to your own business property (requires commercial property insurance)
- ×Vehicle accidents (requires commercial auto insurance)
- ×Cyber attacks and data breaches (requires cyber liability insurance)
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What coverage level do you need?
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