Compare custom General Liability estimates in seconds.
One application, multiple quotes. As low as $21/month*
Insurers
Ratings
Estimates
Accredited America
A++
from A.M. Best
$ —
Harborway
A+
from A.M. Best
$ —
RLI
A+
from A.M. Best
$ —
American Builders
A
from Demotech
$ —
Hiscox
A
from A.M. Best
$ —
Markel
A
from A.M. Best
$ —
Clear Blue
A–
from A.M. Best
$ —
Frank Winston Crum
B++
from A.M. Best
$ —
Ratings are provided by A.M. Best and Demotech. A.M. Best is the world’s largest credit rating agency specializing in the insurance industry, and Demotech is a financial analysis firm that evaluates the financial stability of regional and speciality insurers.
Accredited America
A++
from A.M. Best
$ —
Harborway
A+
from A.M. Best
$ —
RLI
A+
from A.M. Best
$ —
American Builders
A
from Demotech
$ —
Hiscox
A
from A.M. Best
$ —
Markel
A
from A.M. Best
$ —
Clear Blue
A–
from A.M. Best
$ —
Frank Winston Crum
B++
from A.M. Best
$ —
Ratings are provided by A.M. Best and Demotech. A.M. Best is the world’s largest credit rating agency specializing in the insurance industry, and Demotech is a financial analysis firm that evaluates the financial stability of regional and speciality insurers.
1M+
customers insured worldwide
100%
free, unlimited access to your certificates of insurance
400+
types of businesses covered
4.6/5
customer rating on Trustpilot
1M+
customers insured worldwide
100%
free, unlimited access to your certificates of insurance
400+
types of businesses covered
4.6/5
customer rating on Trustpilot
We cover 400+ types of businesses. Including yours.
Handyperson From $41.67/month*
Lawn care services From $29.17/month*
Housekeeping From $20.83/month*
Trusted by over 1 million small businesses worldwide.
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General Liability
Coverage for the risks small businesses face.
General liability (GL) can help cover the costs of claims, medical bills, legal expenses, and more – which can run into tens of thousands of dollars.
If you find yourself interacting with clients in any way, we typically recommend getting a general liability insurance policy. This business insurance can also typically help cover your employee or employees if they cause damage.
Third-party property damage
General liability policies can help cover expenses if you accidentally break, damage, or destroy a client’s personal property.
Third-party injuries
If a customer is injured at your office or work site, a general liability insurance policy can help cover their medical expenses.
Advertising injury
A GL policy can help cover claims and legal expenses if you’re sued because of your business’ advertising, marketing, or social media activities.
Faulty products
If you sell a faulty product that causes bodily harm or damage to a customer’s property, a general liability can help cover claims and legal costs.
Frequently asked questions
Do I need general liability insurance?
General liability insurance coverage can financially protect the business you’re building. Without it, you may have to pay out-of-pocket for property damage, accidents, or lawsuits. In some cases, clients may require that you have insurance before hiring you or allowing you to bid on a project. Some states and localities also may require GL coverage for your type of business.
What does small business general liability insurance cover?
Typically covered:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
Typically not covered:
- Damage to your own property
- Damage to a customer’s personal property stored in your care, custody, and control
- Professional services
- Workers’ compensation or injury to your employees
- Damage to your work
- Auto liability
- Expected or intentional injury or damage
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
What determines the cost of liability insurance for a small business?
General liability cost is largely determined by the type of work you do, the kinds of risks you’re exposed to, and the number of employees you have on your payroll.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices for your business in just 10 minutes right here.
Highly rated carriers. Handpicked for small businesses.
*Displayed price is an estimate based on the 10th percentile of General Liability policies sold by Simply Business between January-June 2025, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.