General Liability Insurance
A cornerstone coverage to financially protect your business and provide peace of mind. Get insured for as low as $20.83/month.*
Insuring over 1 million small business owners worldwide.
This block is configured using JavaScript. A preview is not available in the editor.
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.
General Liability
A one-minute explanation
Find out what GL covers, why you might need it, and how we can help – All in just 60 seconds.
As a small business owner you do a lot, just like general liability insurance. General liability can help provide financial protection in the event of, well, unfortunate events. Like injury or damage to another person or their property, advertising injury and product liability, medical payments, and more. Without general liability insurance, you know who’s likely on the hook for that: you, and that could cost you a bundle- as opposed to a good general liability policy. Even if you did nothing wrong, you can still find yourself paying for legal fees and a lawsuit. And getting covered is easy and fast with us. Spend a few minutes online or on the phone we can help find you a policy among the top insurers out there. When it comes to getting you covered, we can do a lot, just like general liability insurance.
How Much is Commercial General Liability Insurance?
Looking for a quick estimate? Just answer these 3 questions.
Who Needs General Liability Insurance?
Sole proprietors, partnerships, LLCs, and more. General liability is a coverage we recommend for just about any business.
Answers To More General Liability Questions
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 amount of coverage you choose.
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.
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 public liability insurance 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.
We have more general liability FAQs here.
Feel confident about your choice
This block is configured using JavaScript. A preview is not available in the editor.
Search
Find what you need in just 10 minutes online, 24/7.
Compare
Get customized coverage options and quotes from top-rated small business insurers.
Save
Choose among affordable policies, many with savings up to 20% and monthly payment options.**
Relax
Download, manage, and share your certificate of insurance online, 24/7. Conveniently store a copy on your mobile device.
More Helpful Information About Commercial General Liability Insurance
*Displayed price is an estimate based on the 10th percentile of General Liability policies sold by Simply Business between January-June 2024, 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.“>
**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 SB’s panel of insurance providers.