General Liability Insurance Quote
Get a general liability insurance quote that protects your business from the lawsuits that can destroy it. We compare carriers to find coverage that fits your risk profile at a competitive price.
General liability insurance is the foundation of business protection. It's often called "slip and fall" coverage because it protects you when someone gets hurt on your premises. But it covers much more than that.
Without general liability coverage, one lawsuit could wipe out everything you've built. It's not optional. It's essential.
What General Liability Insurance Covers
• Bodily injury - A customer slips on a wet floor in your store. A visitor trips over equipment at your job site. A client falls on your icy walkway. General liability pays their medical bills and compensates for pain and suffering.
• Property damage - Your employee damages a client's carpet while making a delivery. Your product malfunctions and damages someone's property. General liability covers the repair or replacement.
• Personal and advertising injury - Libel, slander, copyright infringement in advertising, or wrongful eviction claims. These non-physical injuries are covered too.
• Medical payments - Immediate medical costs for injuries on your premises, regardless of fault. Small limits, but paid quickly without determining liability.
• Legal defense costs - Attorney fees, court costs, and settlements. Even frivolous lawsuits cost money to defend. Your policy pays for defense.
What General Liability Doesn't Cover
General liability is essential, but it's not comprehensive. It doesn't cover:
• Your own injuries - That's workers compensation.
• Your own property - That's commercial property insurance.
• Professional mistakes - That's professional liability (E&O) insurance.
• Vehicle accidents - That's commercial auto insurance.
• Employee injuries - That's workers compensation.
• Cyber incidents - That's cyber liability insurance.
Most businesses need multiple coverages. General liability is the foundation, not the whole structure.
Who Needs General Liability Insurance?
Every business. Seriously. If you interact with customers, clients, vendors, or the public in any way, you need general liability protection.
Many contracts require it. Commercial leases often mandate minimum coverage amounts. Clients frequently require proof of insurance before hiring contractors or vendors. Without general liability, you lose opportunities.
What Affects Your General Liability Rate?
• Industry classification - Your business type determines base rates. Contractors pay more than consultants.
• Annual revenue - Higher revenue means higher premiums.
• Number of employees - More employees equals more exposure.
• Location - Where you operate matters.
• Coverage limits - Standard policies offer $1 million per occurrence and $2 million aggregate. Higher limits cost more.
• Claims history - Past claims predict future claims. Clean histories pay less.