General Liability Insurance

General liability insurance is one of the most common types of insurance that businesses carry.

General liability insurance helps protect small business from claims involving property damage and bodily injuries. Also referred to as business liability insurance or commercial general liability insurance, this type of coverage helps cover costs such as attorney fees and medical expenses for incidents involving services, products, or operations. General liability insurance can also cover advertising and personal injury claims for issues including libel, slander, and copyright infringement.

If your small business sells products, offers services, rents space, or advertises online, you likely want coverage. And whether your business serves customers on job sites, at their property, or at your own location, general liability coverage could protect your valuable commercial and personal assets.

What’s typically covered by general liability insurance?

Bodily Injury

Helps cover legal costs and medical expenses if a customer or non-employee claims they were injured on your business property

Property Damage

Helps with the costs of repairing or replacing a third party’s property that was damaged by your business activities

Reputation Harm

Helps with legal costs related to claims of slander and libel against your small business

Product Liability

Helps with costs if a customer claims a product of yours caused harm or injury

Advertising Injury

Helps with expenses associated with claims of damage due to your advertising

Together We Serve Small Businesses

Pie Insurance and Progressive

Pie has partnered with Progressive Insurance for your general liability needs. The Progressive Advantage® Business Program will get you started with a free and easy insurance quote customized to your business.

Get a Quote with Progressive

How does general liability insurance protect small businesses?

People Protection

  • Helps with medical costs for customers who are injured at your small business location
  • Assists in resolving third-party claims for harm caused by your commercial activities 

Financial Protection

  • Helps protect you from lawsuits related to general liability claims against your small business
  • Helps keep your personal and business assets safe in the event of third-party injury or property damage 

What other types of insurance might my small business need?

While general liability insurance protects you, your business, and your employees in the case of bodily injury, property damage, or personal injury claims, small business owners should consider other types of insurance:

 

Workers’ compensation insurance provides medical, disability, survivor, burial, and rehabilitation benefits to employees who experience illness, injury, or death due to a work-related incident. In nearly all states, and with few exceptions, businesses are required by law to carry workers’ compensation insurance. Get a workers’ comp quote in 3 minutes.

 

Commercial auto insurance covers liability and physical damage for vehicles owned by your company.

 

Cyber insurance protects your business against data breaches and cybercrime such as computer hacking and stolen information.

 

Business owner’s policy (BOP) insurance offers bundled protection from claims related to property damage, fire, personal injury, advertising injury, and other issues.

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