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  • Business Owner
  • General Liability
  • Commercial Auto
  • Errors and Omissions

General Liability Insurance

Insurance created to meet your business needs.

What is General Liability?

General Liability Insurance is the first step in protecting your business. Liability claims occur if a customer falls at your place of business, if you violate another company’s trademark, or if an employee says something defamatory on social media about your competition. If you’re trying to expand your business by sub-contracting to larger firms, they will typically ask for your General Liability Policy to make sure you’re protected against common claims.

If you’re a sole proprietor who thinks your personal auto or homeowner’s insurance will protect your home-based business, you’re in for a surprise. Business activities need separate coverage and a General Liability policy is the first step in establishing your business.

Same day coverage on 100+ professions. Premiums starting at $45/month.

Save money by selecting a policy tailored to your business.

Easily navigate and understand your insurance coverage to help your business thrive!

What General Liability Protects

General Liability protects you from unexpected events that happen while you’re trying to run your business. You’ll need protection for events that happen by or to other people like landlords, clients, visitors, or business partners. Instead of a lawsuit, you’ll have insurance to protect you in the following instances.

Customer, Vendor, or Visitor Accidents

What happens when your customers, vendors, or visitors fall and get hurt while doing business with you? General Liability insurance pays for bodily injury and medical payments where your business may be at fault.

Property Damage

Customer visits are a great way to build business relationships. But when you spill your morning latte on your #1 customer’s server equipment, they’ll need to be reimbursed for repairs and related damage. General Liability is a great way to protect you and keep relationships intact.

Personal and Advertising Injury

Your company’s social media posts may unintentionally harm your competitor’s business reputation and you’ll be held liable. If your firm injures your competitors by defaming their character or infringing on their copyright or trademark, you’ll need protection.

Product or Service Injury

You’ve tested your product and are sure it’s the next market sensation. But if customers claim they got injured by your product, you’ll need protection from a lawsuit. Whether it’s a product your made or a service you provided, General Liability will protect you with Product Completed Operations coverage.

What General Liability Won't Protect You From

General Liability is designed to protect your business from accidents or injuries by or to other parties. You’ll need separate insurance coverages to protect other normal business activities like:

Employee Accidents

General Liability doesn’t protect you from employee accidents. Workers’ Compensation insurance policies (which are mandatory in most states) are designed to help provide employees with financial relief from accidents.

Personal Medical Payments

General Liability will pay for medical expenses for injuries to people outside of your business (“third parties” like customers, vendors, visitors) but you’ll need health insurance to cover your personal and employee medical expenses.

On the Job Auto Accidents

If you use your vehicle – or have a fleet of vehicles – you’ll need separate auto insurance coverage to make sure you, your employees, and other parties are covered for collisions and medical payments.

Professional Mistakes

Forget to sign on the dotted line? Did you miscalculate on your contract and end up causing delays to your client? For the mistakes that happen while providing your business services, you’ll need Professional Liability Insurance like Errors and Omissions (E&O) coverage.