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4 SAVINGS SOLUTIONS

General Liability Insurance

If your business injures someone or damages their property, this policy pays for the lawsuit, the medical bills and the repairs — so a single accident doesn't sink your company.

Quote General Liability What it covers

What it covers

  • Injuries to other people — a client trips over your equipment.
  • Damage to someone else's property — you break a window at a job site.
  • Personal and advertising injury — claims of libel, slander or copying an ad.
  • Legal defense — attorney fees and court costs, even if the claim is groundless.

What it doesn't cover

  • Your employees' injuries
    That's Workers' Comp.
  • Accidents in your work vehicles
    That's Commercial Auto.
  • Professional mistakes or bad advice
    That's Professional Liability (E&O).
  • Your own building and equipment
    That's Commercial Property.

Who needs it

Any business that works with the public, visits client sites or rents a space. Clients, landlords and general contractors often require proof before you can start.

Contractors Painters Cleaning services Landscaping Roofers Handymen Food trucks Retail stores
Real-life example

The painter and the neighbor's window

A painter is working on a house. A ladder slips and breaks the neighbor's window, and the neighbor's car gets paint on it. The neighbor sends a bill. General Liability pays for the repairs — and for the lawyer if it goes to court.

$1M
A common per-occurrence limit
$2M
A common yearly aggregate limit
Need a COI?
A Certificate of Insurance proves you're covered. Once your policy is active, we issue it for your client or general contractor.

Often bundled with

Business Owner's Policy (BOP)General Liability + Commercial Property in one policy. Workers' CompRequired in most states once you hire. Commercial AutoFor the truck or van you drive to the job.

Quote your General Liability

Tell us about your business. A licensed advisor will compare carriers and get back to you in English or Portuguese.

By submitting, you agree to be contacted about insurance by phone, text or email. Consent is not a condition of purchase.

General Liability FAQ

Is General Liability required by law?

Usually not by the state, but clients, landlords, general contractors and some licenses require it. In practice, most businesses need it to get work.

How much does it cost?

It depends on your trade, revenue, location and claims history. Higher-risk work like roofing costs more than consulting. We compare carriers to find the right price for your business.

What is "additional insured"?

It extends your coverage to a client or contractor named on your policy. Many contracts ask for it, and we can add it for you.