General liability insurance for small businesses

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General liability insurance for small businesses

General liability insurance is a crucial component of insurance for small businesses as it provides protection against damages that your business may cause to others. If you have a small business, it is important to consider purchasing this type of insurance to ensure that you are protected against potential lawsuits and claims.

General liability insurance can cover a wide range of incidents, including bodily injury, property damage, and personal injury. It can also cover the costs associated with legal defense, settlements, and judgments that may arise from such incidents.

When searching for general liability insurance for your small business, it is important to consider factors such as coverage limits, deductibles, and premiums. You should also review the policy carefully to ensure that it covers all the potential risks that your business may face.

Many insurance providers offer general liability insurance for small businesses, and it is important to shop around to find the best coverage at the most affordable price. You may also want to consider bundling your general liability insurance with other types of insurance, such as property insurance or workers’ compensation insurance, to save money on your overall insurance costs.

Overall, general liability insurance is an essential part of protecting your small business from potential financial losses due to lawsuits and claims. By taking the time to carefully consider your insurance needs and shop around for the best coverage, you can ensure that your business is well-protected and can continue to grow and thrive.

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What is general liability insurance?

First of all, we must emphasize that many call general liability insurance by various names such as business liability insurance, commercial general liability insurance, insurance business liability… But it is one and the same thing.

In short, it is business liability insurance. They protect your company if you cause property damage or bodily injury to someone. For example, your company injures a person, then you have to pay for that person’s treatment and possible legal claims. Which easily comes to $1000.00. Without this insurance, you pay for it out of your own pocket, which can easily destroy your company and put you in debt.

General liability insurance coverage

Protects your business from claims.
Property damage
Physical injury
Defense costs
Personal and advertising injury

What Does General Liability Insurance Not Cover?

General liability insurance will not cover you if you or your employees have caused intentional damage or committed an illegal act.


Injuries or illnesses of your employees. For this you will need Workers’ Compensation Insurance.

Claims that cost more than your policy covers. For this you need a commercial umbrella insurance policy


Demage caused by advice or intellectual service. For this you need professional indemnity insurance


Damage caused by your company vehicle or a rented vehicle or construction machine. On your way to work, at work… You’ll need a commercial auto insurance policy for that.


Damages to own business property. For this you will need a business property insurance policy. 

General liability insurance cost

Many factors affect the price of general liability insurance. Request a quote so we can find the best price for you, on average small businesses pay about $1,000 a year for general liability coverage. Take in consideration the other policies that should be included in your contractor insurance

general liability insurance for small businesses

General liability insurance for small businesses quote

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Protecting your future

Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States.