General Liability Insurance

General liability insurance - also known as business liability insurance is designed to protect you and your company from any “general” claims that are in relation to bodily injuries and property damage.

Nearly every business in the United States can benefit from a general liability insurance policy in case a general claim is made against them.

The general business liability insurance cost varies depending on the size and risk level of your business, but it is generally quite affordable. If you’re looking for general liability insurance for a small business, it can cost you as little as a few hundred dollars per year to insure your company against potential liabilities.

In other cases, you may be able to get general liability business insurance coverage that offers $1 million for a few thousand dollars per year but again, the price you pay is very individual to your business. You can apply directly on our website to get a free quote.

General liability insurance, which is also known as business liability insurance, provides you and your business with cover from “general” claims involving property damage and bodily injuries. Almost every business in the United States can greatly benefit from having a general liability policy in place.

If you run an office building and one day a customer falls down the stairs (and breaks their hip), it's likely that they and their family will file a lawsuit against your company.

In this case, general liability insurance would help to cover the costs associated with defending the lawsuit as well as any damages that are found in favor of the plaintiff.

General liability policies are often required by state law if you have a business that deals with customers onsite. Such policies can be held to guard against slip-and-fall injuries, defective products, and other common occurrences that might lead to a liability claim.

You should also consider general liability insurance coverage for your company if there is a possibility of a large judgment being levied against you from an accident or incident.

For example, if you are a contractor and someone is injured on your worksite, general liability insurance would help to cover the costs of any legal damages that might be awarded.

General Liability Insurance is available to all, if not most businesses in the U.S. Small Business Insurance is widely available for new ventures as well as businesses with many years of experience. See the list of items below that you’ll need to have prepared:

• Revenue projections
• What services your business is offering
• What states you will operate in
• Physical address whether home-based or otherwise.

You can apply directly on our website to get a free quote.

When you are shopping for a business general liability insurance, be sure to ask the following questions:

• What is the policy limit?
• What is the deductible?
• What is the policy's coverage area?
• Does the policy cover legal defense costs?
• What is the per-incident limit?
• Is there an annual aggregate limit?
• What is the policy term?
• Is there a cancellation fee?
• Are there any restrictions on who can be covered under the policy?
• How much coverage does a General Business Liability Insurance Policy have?

General liability insurance may not cover punitive damages, which are awarded to a plaintiff as punishment for particularly egregious behavior on the part of the defendant.
It does cover loss to your owned property or for employee injury.