What Is General Liability Insurance?

General liability insurance (GL) is the most fundamental business insurance policy available. It protects your business against third-party claims of bodily injury, property damage, and advertising injury. Whether a customer slips in your office or your work accidentally damages a client's property, GL insurance covers legal fees, medical costs, and settlements.

What Does General Liability Insurance Cover?

A standard GL policy covers three main areas:

Bodily Injury: If someone is injured on your business premises or as a result of your operations, GL insurance covers their medical expenses and any resulting lawsuits. For example, if a delivery person trips over equipment at your warehouse, your GL policy responds.

Property Damage: When your business operations damage someone else's property, GL insurance pays for repairs or replacement. A cleaning company that accidentally damages a client's hardwood floors would be covered.

Advertising Injury: This covers claims of libel, slander, copyright infringement, or misappropriation of advertising ideas in your marketing materials.

How Much Does General Liability Insurance Cost?

For most small businesses, general liability insurance costs between $25 and $75 per month, or roughly $300 to $900 per year. Your actual premium depends on your industry, revenue, location, claims history, and coverage limits. High-risk industries like construction or manufacturing typically pay more, while professional service firms and consultants pay less.

At Insura, 87% of our customers pay less than their previous policy. We compare quotes from A+ rated carriers like Hartford, Chubb, and Hiscox to find you the best rate.

Who Needs General Liability Insurance?

Virtually every business that interacts with clients, customers, or the public needs GL insurance. It is often required by commercial landlords before signing a lease, by clients before signing a contract, and by state or local governments before issuing permits. Even home-based businesses benefit from GL coverage since homeowners insurance typically excludes business-related claims.

How to Get a General Liability Insurance Quote

Getting a GL quote with Insura takes under 2 minutes. Simply tell us about your business, and our licensed experts will compare rates from top-rated carriers. You'll receive multiple quotes tailored to your industry and risk profile, so you can choose the coverage that fits your budget.

Call us today at 434-597-3944 or start your free quote comparison online.