General Liability Insurance

Worried about getting sued because a customer slipped on a wet floor you left behind?
Have you ever made a mistake 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, you need General Liability insurance.

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Do I need General Liability?

If you own a business, you need to protect yourself and your business with a General Liability policy. General Liability insurance protects you from claims resulting from injuries and damages. Your typical General Liability policy has limits of $1 Million per incident with a $2 Million aggregate. Aggregate means how much the policy would pay out for an entire year. So, you could have two incidents that would cost you $1 Million each and your policy would cover those claims. General Liability also has additional coverage for personal advertising injury ( which includes libel, slander, and copyright infringement), property damage, completed operation (property damage or third-party injuries once contracted operations cease), and medical payments.

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 biggest 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. No matter how big or small, every business should have a General Liability policy.

How Do I Get Covered?

To get a quote you just need the following: name, address, business name, business type, total sales for 12 months, number of employees, total payroll for 12 months, and that’s it. We can get a policy started for you On Demand. If you have more questions about General Liability, 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 to not only give you the best rate, but to 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. 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

Business Owners Policy

Combines both property and liability coverage.

Workers Comp

Helps cover employees if they get sick or injured.

Commercial Auto

Helps cover risks that come from operating business vehicles.

Equipment Protection

Covers equipment you use to get the job done.

Get a policy that's tailored just for you.

We work hard to find a 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 Insurance Cost?

Price heavily depends on what your profession is and what kind of jobs you are doing. Higher risk jobs such as performing roof work will cost more than an interior painter or photographer. 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 cover property damage?

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

For example, if you are working at a clients house and you accidentally damage their tv. Your general liability insurance would help cover the cost of fixing it or replacing it.

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

Is General Liability Insurance required by law?

No, not usually. 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.