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Dedicated to small business.
Rates as low as $20.75/month*
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*
General contractorFrom $68.75/month*
E-commerce & online retailers From $21.58/month*
Trusted by business owners like you.
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
Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
General liability – coverage for the risks small businesses face.
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.
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.