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What is General Liability Insurance?

General liability insurance can help protect your small business from claims of bodily injury or property damage that you or your employees may cause to others. General liability insurance is typically one of the first – and most important policies – a Small Business Owner should consider purchasing. 

What does General Liability Insurance Cover?

General liability insurance helps protect your business against the following types of claims:

  • Bodily injury: This can include help for expenses from claims for injuries, expenses, and more that are caused by your business’s negligence.
  • Property damage: This can include claims for the cost of repairing or replacing property that is damaged by your business’s negligence.
  • Advertising injury: This includes claims for damage to someone’s reputation that is caused by your business’s advertising or marketing materials.

Who Needs General Liability Insurance?

General liability insurance is typically one of the first insurance coverages a business should consider purchasing. This coverage should be considered if the business has employees, customers, or clients on their premises, or that deliver products or services to others. The emergence of online retailing has also accelerated the need for this coverage, as retailers like Amazon are requiring online sellers to carry product liability insurance once they achieve certain sale thresholds.[1]   Product liability is often referred to as, or is part of a general liability insurance policy.

How Much Does General Liability Insurance Cost?

The cost of general liability insurance can vary depending on several business factors, including the size of the business, the work performed, the type of business, and more. According to Hiscox, a leading Small Business Insurance provider, general liability policyholders on average $30 per month or less for their coverage.[2]

Why Do You Need General Liability Insurance?

General liability insurance is one of the most critical insurance coverages a Small Business Owner should consider purchasing. It can help:

  • Protect your assets: General liability coverage can help you pay for the damages and protect your assets, like your business property, equipment, and cash.
  • Avoid bankruptcy: If sued, general liability insurance can help protect your business and get it back on its feet.
  • Maintain your business license: Some states require proof of insurance or a certificate of insurance to obtain or maintain a business license.
  • Protect your reputation: A lawsuit can damage your reputation and the reputation of your business. This coverage can help you protect your reputation and your business.

Get a General Liability Quote

General liability insurance is an important type of insurance for Small Business Owners. It is important to work with an insurance expert to make sure you get the right liability insurance for your business. At, we’ve ranked the best general liability insurance providers to help you find the best coverage for your Small Business.


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[2] How Much Does General Liability Insurance Cost? | Hiscox

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