COVERAGE INFO

General Liability Insurance

Save up to 30% on business insurance

Unexpected accidents happen all the time. General liability insurance is there to cover a broad-spectrum of risks for your business such as bodily injury, property damage, and more. Worst case scenario coming to life? We've got your back.

// COVERAGE BREAKDOWN

What this policy protects

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Slip-and-Fall Injuries

Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.

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Property Damage

While on the job, you accidentally damage a client's possession.

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Legal Fees

Someone files a lawsuit against your business in relation to an insurance claim.

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Medical Payments

You're asked to pay for medical expenses due to someone's injury (not an employee).

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Reputational Harm

Your business faces claims of slander, libel, or defamation that damage your reputation.

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Advertising Injury

You're sued for improper use of an image in your advertisements.

// FAQ

Frequently asked questions

What is General Liability Insurance? +

General Liability insurance can protect a business owner's financial responsibilities to accidents that may occur at their business, if the business is at fault. General liability insurance can also be known as 'commercial general liability', 'business liability insurance', or 'liability insurance.' The most common protection general liability insurance helps with is: if an employee is injured at work, if work equipment is damaged, if clients property is damaged, if you're accused of copyright infringement and more. Because general liability insurance protects a business from such a large spectrum of common accidents businesses encounter, it is the most common type of insurance purchased by small business owners.

What Does General Liability Insurance Cost? +

Our team customizes general liability insurance costs because they're individualistic to your specific business. Your business at a low-risk scale can pay little to $10 a month. Keeping your risk level low will drastically decrease the cost of your general liability insurance. The cost of general liability insurance will differ between each business based on these factors: industry, business size, employee size, risk level, location, claim history, length of coverage, and more. We see our clients typically choosing to pay $25 a month for their general liability insurance coverage.

What Does General Liability Insurance Cover? +

General liability insurance aids in protection against unforeseen expenses associated with accidents that directly result in legal action or responsibility being taken against your business. Examples are property damage, bodily injury, legal expenses, medical fees, reputational damage, and advertising injury.

Do I Need General Liability Insurance? +

In short, if you're a business owner or contractor then the answer is yes. If you have a basic insurance plan for your business, then general liability insurance is often included because this aids in covering common daily risks. General liability insurance coverage is usually not required by law, but a certificate proving ownership of general liability insurance can be requested by partners or clients prior to engaging with you.