General Liability
Insurance for Business

Worried about a lawsuit and defense costs because a customer slipped on a wet floor?

Have you ever made a mistake in the course of business activities that caused damage to something that wasn't yours?

Want to make sure you're covered for accidents on the job unrelated to your workers?

If you answered yes to any of these questions, there’s no question you need General Liability insurance for business.

Business owners who got general liability insurance

WE COMPARE RATES FROM

Hiscox
CNA
Kemper
Coterie
State Auto
biBerk
Plus Many More!

Do I need Commercial General Liability Insurance?

If you own a business, you need to protect yourself and your company with a General Liability policy.

General Liability insurance protects you from covered claims resulting from injuries and damages. A typical General Liability insurance for business policy has limits of $1 million per incident, with a $2 million aggregate.

Aggregate refers to the policy’s maximum payout for an entire year. In this case, you could have two covered incidents that could cost you $1 million each and your policy would cover both of those claims.

General Liability insurance for business also has additional coverage for:

Rating Factors and Risk

Risk factors may affect your premiums and coverage.

Some of the factors for a General Liability policy are job type, expected total sales, number of employees, payroll, subcontractor costs, and location.

The type of job you do is the most important rating factor. Jobs that have a higher risk, such as roofing, are rated higher than jobs such as handyman because there's a greater risk of injury and damage.

While the cost of business liability insurance can change based on the type of business, the size of the company, and more, protecting your investment and your livelihood is vitally important. 

Small business owners and the leaders of the largest companies alike all need a General Liability policy.

How Do I Get Covered?

To get a quote you just need the following — nothing else!:

That’s all we need to get a policy started for you on demand. If you have more questions about General Liability insurance for small businesses — or for any type of company —, we have licensed agents available to answer your questions via chat or phone.

We are Here To Help

At InsurePro, we can help you and your business stay protected. We'll compare prices from several carriers (which is just another way to say insurance companies). That means we not only give you the best rate, but match you to the best carrier for your insurance needs.

You can start a small General Liability policy if you just have a side business. The cost of liability insurance for small businesses can be very small and manageable. We've written policies as low as $100 for the entire year!

InsurePro can help you find what you need to protect your business at an affordable cost. Having peace of mind when it comes to your business is priceless, and getting a quote is simple.

Additional Coverages We Offer

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Business Owners Policy

Combines both property and liability coverage.

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Workers Comp

Helps cover employees if they get sick or injured.

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Commercial Auto

Helps cover risks that come from operating business vehicles.

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Equipment Protection

Covers equipment you use to get the job done.

An app give a quote for a general liability insurance policy for business

Get a policy that's tailored just for you.

We work hard to find a General Liability business insurance plan that makes the most sense for you. Leave the insurance to us so you can focus on your business.

300+
Professional categories that we currently service.
50%
Annual savings when using On-Demand insurance.
15 min
Average time to quote and checkout with InsurePro.
20+
Carriers that we compare rates from.

Frequently Asked Questions

How much does General Liability business insurance cost?

The price you can expect to pay heavily depends on what your profession is and what kind of work your company engages in.

Higher risk jobs such as performing roof work will lead to higher insurance costs as compared to an interior painter or photographer. If you’re wondering how much liability insurance is for a small business, keep your industry and typical types of work in mind. We can help you find a cost-effective General Liability policy for your industry.

The best way to gauge how much a policy may be for you would be to get a free quote with us.

Does General Liability insurance for business cover property damage?

General Liability insurance covers expenses related to property damage, but only to property that doesn't belong to you.

For example, You are working at a client’s house and you accidentally damage their TV. Your general liability insurance would help cover the cost of fixing or replacing it.

Equipment Protection is a coverage we offer that can be added to your General Liability insurance. This helps cover repair and replacement costs for your gear.

Is General Liability insurance for business required by law?

General liability insurance is usually not required by law. However, some states require General Liability Insurance in their licensing criteria for construction contractors or developers. Even though it is not required by law, it is still important when taking on jobs to protect your company from unforeseeable events.

Protect Your Business

At InsurePro, we’re dedicated to keeping businesses safe from a variety of potential threats and risk factors with dependable and effective insurance policies.

Want to better protect your company? Get a Quote!