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Policies from top insurers starting at $20.75/month*
Insuring over 1 million small business owners worldwide.
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Your one stop for general liability and other small business coverages
Professional Liability
Coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their clients.
Workers’ Compensation
Coverage to help take care of employees who get sick or injured on the job. Many states require this for businesses with full or part-time employees.
Business Owners’ Policy
General liability, property insurance, and more all in one convenient package. A BOP policy typically lets you add different types of coverage to meet the needs of your specific business.
Inland Marine
A solution to financially protect the tools and equipment you use while in transport or on a job site.
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.
**20% savings calculation based on comparison savings on general liability policies. Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from the Simply Business panel of insurance providers. Monthly payment options dependent on carrier availability.