General Liability Insurance
Protect your business from customer injury and property damage claims. We compare carriers to find the right coverage at the right price.
We shop the market for you, no broker fees
Built for businesses that work with people, property, or products
- Contractors and trades
- Restaurants and retailers
- Property owners and managers
- Manufacturers and wholesalers
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Your class of business and what you actually do day to day
- Annual revenue, and payroll where the line rates on it
- How many people work for you, including subcontractors
- Where you operate, down to the ZIP and the building
- The limits and deductible you choose
- Your claims history over the last three to five years
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
What this policy can cover
Third-party bodily injury
Injuries to customers, vendors, or visitors tied to your operations or premises.
Third-party property damage
Damage your operations cause to property that belongs to someone else.
A crew you sent to a client site knocks over a sprinkler riser and floods two floors. The building owner comes to you for a repair bill in the six figures plus the tenants' losses. That is the claim this coverage is built for.
Products and completed operations
Claims that arise after a job is finished or a product you sold causes harm.
Personal and advertising injury
Libel, slander, and certain advertising-related claims.
A competitor claims your new campaign copied their tagline and sues. The defense costs run into tens of thousands before anyone decides who was right, and defense is the part most owners forget to price.
Why do I need general liability insurance?
Because a claim you did not cause on purpose is still yours to answer. A customer trips in your shop, a crew damages a client's floor, a competitor says your campaign copied theirs. This is the policy that responds, and it pays to defend you as well as to settle, which is the half most owners have never priced.
Who is going to ask me for it?
Almost everyone you sign with. Landlords write it into leases, general contractors write it into subcontracts, and clients write it into service agreements, usually with a certificate naming them as an additional insured. Getting that certificate out the same day is often the reason a business buys the policy at all.
Businesses this coverage may fit
The contractor with a job on the line
A general contractor or property owner wants your certificate, often with their name on it as additional insured, before you start. Contractor programs rate on your trade, payroll and subcontractor costs, so the contractor application starts with your trade.
The business signing a lease
The landlord writes general liability into the lease and asks for a certificate. If you also keep equipment or stock at the space, a business owners policy adds the property cover in the same policy.
Questions we get asked
What does general liability insurance cover?
It covers third-party bodily injury, property damage, and personal and advertising injury tied to your operations, including products and completed operations.
How much does general liability insurance cost?
Cost depends on your class of business, revenue or payroll, limits, location, and claims history. We quote it against your actual operation rather than a flat rate.
Is general liability insurance required?
It is rarely required by state law, but leases, clients, and contracts routinely require it, often at 1 million dollars per occurrence and 2 million dollars aggregate.
What limits do I need?
A common contract requirement is 1 million per occurrence and 2 million aggregate. Some landlords and projects ask for higher limits or an umbrella on top.
How is general liability different from professional liability?
General liability covers physical injury and property damage. Professional liability covers financial harm caused by your advice or services.
Does general liability cover an employee who gets hurt?
No. Injuries to your own employees are the job of workers' compensation, and general liability specifically excludes them. In most states the obligation starts the moment you have an employee, and some contractor classifications must carry it even without employees.
Does general liability cover a mistake in my work or my advice?
No. General liability answers bodily injury and property damage. A claim that the work itself was wrong, that a design failed, or that your advice cost the client money is a professional liability claim.
Does general liability cover my own building, tools or inventory?
No. It covers damage you do to other people's property, not your own. Your building, equipment, stock and tenant improvements sit on a commercial property policy or inside a business owner's policy.
Does general liability cover an accident in a company vehicle?
No. Anything involving an owned, hired or non-owned vehicle is commercial auto. This is one of the most common gaps we find, usually on a business that started using a personal truck for work.
Start your quote online.
Fill in one short form or call us. No broker fees.