Simply Business homepage
  • Business insurance

    • Business Insurance FAQs
    • Business Insurance in Your State
    • Insurance Providers

    By Coverage Type

  • Certificate of Insurance
  • Claims
  • Blog

    Resources

  • Help
  • Sign In
Call Us(844) 654-7272
Our opening hours

How Much General Liability Insurance Do I Need?

What is your trade/profession?
Get Your Quote

How Much General Liability Insurance Do I Need?

This is another tricky one to answer because it really depends on a number of factors. On one hand, you may need more general liability coverage if you’re working on a big project and a customer requests a higher policy limit. On the other hand, you may only need a basic amount of coverage if you don’t do too much work on customer sites.

If you’re looking for a better idea of how much general liability insurance you need, consider:

1. Your company size.

The more employees and subcontractors you have, the more liability insurance you may need.

2. The type of work you do.

If you perform work that exposes you to a lot of risks (like tree removal or roof work), it’s recommended you get a higher policy limit. That’s because if you end up causing third-party injuries or damage, the claim payout will probably be higher.

3. Your state’s requirements.

Most states have general liability insurance requirements; these can vary depending on the type of work you do and where you’re located.

4. The project you’re working on.

As previously mentioned, you may need more general liability coverage if you’re working on a pricey project or if you’re performing work as a government contractor.

If you’re still not sure how much general liability insurance you’ll need, don’t worry - a licensed agent at Simply Business can answer all of your questions!

Want to know more about general liability insurance? Check out:

Is Your Business Insured?

Whether you’re shopping for a brand-new policy or comparing policy prices, we can help you find affordable protection that’s personalized to your needs. Start your quote here!

Start your quote
How Much General Liability Insurance Do I Need?

INSURANCE

Business InsuranceGeneral Liability InsuranceWorkers Compensation InsuranceProfessional Liability InsuranceErrors & Omissions InsuranceSole Proprietors Workers CompensationCyber InsuranceSelf-Employed Insurance

BUSINESSES

Contractors InsuranceCleaners InsuranceE-commerce InsuranceHandyman InsuranceHome Improvement Contractor InsuranceLandscaping InsuranceLawn Care InsurancePhotographers Insurance

ABOUT

About usContact UsCareersSite MapInsurance Providers

SIMPLY U

General BusinessProtect Your BusinessStart Your Business

ADDRESS

Simply Business1 Beacon Street, 15th FloorBoston, MA02108

LEGAL

Terms & ConditionsPrivacy PolicyDo Not Sell My Personal InformationResponsible Disclosure Policy

*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2022 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.