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?
General liability coverage helps cover legal costs and medical expenses if a customer or non-employee claims they were injured on your business property.
General liability coverage helps with the costs of repairing or replacing a third party’s property that was damaged by your business activities.
General liability coverage helps with legal costs related to claims of slander and libel against your small business.
General liability coverage helps with costs if a customer claims a product of yours caused harm or injury.
General liability coverage helps with expenses associated with claims of damage due to your advertising.
How does general liability insurance help protect small businesses?
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
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.