General liability insurance

What Is General Liability Insurance?

General Liability Insurance (GLI) is one of the most essential forms of business insurance, protecting your company from the financial fallout of third-party claims. Whether someone gets hurt at your place of business, you accidentally damage a client’s property, or your marketing materials cause offense or legal issues—GLI steps in.

This coverage acts as your safety net, defending both your finances and your reputation.

What Does General Liability Insurance Cover?

General Liability Insurance typically includes:

• Bodily Injury: Covers medical expenses and legal costs if someone is injured on your premises or as a result of your operations.

• Property Damage: Pays for damage caused to another person’s property during your business activities.

• Personal and Advertising Injury: Covers claims related to libel, slander, defamation, copyright infringement, or misleading advertising.

• Legal Defense and Settlements: Even if a claim is groundless, your insurance helps cover legal representation and any resulting settlements or judgments.

Who Needs General Liability Insurance?

Virtually every business—big or small—needs general liability insurance. It’s especially important if you:

• Interact with customers in person

• Visit client locations

• Handle third-party property

• Advertise your services publicly

• Own or lease office or retail space

Industries that especially benefit include:

• Retail and E-commerce

• Construction and Contracting

• Consulting and Freelancing

• Hospitality and Food Service

• Marketing and Advertising

How Much Does General Liability Insurance Cost?

The cost of GLI depends on several factors:

• Industry type

• Number of employees

• Annual revenue

• Business location

• Claims history

• Coverage limits and deductibles

For small businesses, premiums typically start around $40–$70 per month. Businesses with higher risk exposure may pay more, but discounts are often available for bundling or maintaining a clean claims record.

Why Is General Liability Insurance Important?

Without GLI, a single lawsuit or accident could bankrupt your business. Even small claims can result in thousands of dollars in legal fees and settlements. This insurance ensures you don’t have to choose between defending your company and staying in business.

General Liability Insurance vs. Other Policies

While GLI is comprehensive, it doesn’t cover everything. It does not include:

• Professional Errors (covered by Professional Liability Insurance)

• Employee Injuries (covered by Workers’ Compensation)

• Product Recalls or Business Equipment (covered by Product Liability or Commercial Property Insurance)

A complete insurance strategy includes GLI as a foundation, layered with other policies tailored to your industry.

Why Choose Toby Hansen Agency for GLI?

We don’t just sell insurance—we design peace of mind.

At Toby Hansen Agency, we search nearly 100 insurance carriers to find the most affordable, comprehensive protection for your business. Our expert team tailors each policy to your unique needs, ensuring you never pay for more than you need—or get less than you deserve.

✔ Customized Coverage
✔ Fast, Friendly Service
✔ Best Price Guaranteed

Get a Free Quote Today

Don’t wait until something goes wrong. Protect your business now with a customized General Liability Insurance plan from Toby Hansen Agency.

Get your free quote today.
Start your path to peace of mind.