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Protect your business from third-party claims of bodily injury, property damage, and advertising injury. The essential coverage every business needs personalized to your industry.
Top-rated partners
Fast online quoting
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CGL is the foundation of any solid business insurance strategy. It shields your company from the financial fallout of everyday accidents, lawsuits, and unexpected incidents on your premises or job sites with reliable general liability insurance for small business.
Pays for medical expenses, lost wages, and legal costs if a customer or third party is injured due to your business operations.
Covers damage your business causes to someone else’s property during operations, on their premises, or as a result of your products.
Protects against claims of libel, slander, copyright infringement, and false advertising in your business promotions with strong business owners liability coverage.
Covers claims arising from products you sell or work you've completed even after the job is done and the client has accepted it, giving you complete general liability insurance for business.
A comprehensive CGL policy includes multiple coverage components that work together to shield your business assets and reputation. This is why general liability insurance for small business is the foundation most owners rely on.
Client injured at your location or job site
Damage caused to a client's property during work
Libel, slander, or reputational harm allegations
Attorney fees and court costs, even if not at fault
Injury or damage from products you manufacture or sell
Claims arising after your work or project is finished
These real-world situations show why general liability insurance is not optional it’s essential for any business that interacts with customers, vendors, or the public.
A plumber accidentally cracks a pipe, flooding a client’s basement. CGL covers repair costs and any resulting legal claims.
A retail customer slips on a wet floor, breaks their arm, and sues. CGL pays medical bills and legal defense.
A competitor claims your marketing materials copied their tagline. CGL defends you in court and covers settlements.
A food product you distribute causes illness. Products liability coverage within CGL covers the resulting claims.
Understanding your policy’s limits helps you choose the right level of protection for your business size and risk exposure.
Per-Occurrence Limit
$1M – $2M
Included
Max per single claim event
General Aggregate Limit
$2M – $4M
Included
Total for all claims per policy year
Products/Completed Ops
$2M aggregate
Included
Applies after work is finished
Personal & Advertising Injury
$1M per occurrence
Included
Defamation, IP infringement
Damage to Rented Premises
$50K–$300K
Included
Fire, explosion damage to rented space
Cyber Liability Rider
$250K+
Add-On
Optional endorsement
Umbrella / Excess Coverage
$1M–$5M+
Add-On
Extends above primary limits
Per-Occurrence Limit
$1M – $2M
Included
Max per single claim event
General Aggregate Limit
$2M – $4M
Included
Total for all claims per policy year
Products/Completed Ops
$2M aggregate
Included
Applies after work is finished
Personal & Advertising Injury
$1M per occurrence
Included
Defamation, IP infringement
Damage to Rented Premises
$50K–$300K
Included
Fire, explosion damage to rented space
Cyber Liability Rider
$250K+
Add-On
Optional endorsement
Umbrella / Excess Coverage
$1M–$5M+
Add-On
Extends above primary limits
From sole proprietors to established companies, nearly every business faces liability risk. Here are the industries we most commonly cover.
General, electrical, plumbing, HVAC
Storefronts, boutiques, online sellers
Cafes, food trucks, caterers
Consultants, freelancers, agencies
Janitorial, housekeeping, lawn care
Events, portraits, commercial
Clinics, therapists, wellness pros
Agents, brokers, property managers
Premiums vary based on your industry, revenue, claims history, and selected coverage limits. Overall, business liability insurance cost remains affordablefor most small businesses, often significantly lower than many owners initially expect.
Low-risk businesses like consultants may pay as little as $42/month. Higher-risk trades like contractors typically pay $80–$200/month.
Customize your CGL policy with endorsements that close common coverage gaps for your specific industry.
Covers liability when employees use personal or rented vehicles for business
Required by many contracts prevents insurer from suing a third party after paying a claim
Your policy pays first before the additional insured's coverage often required by clients
Extends coverage to clients, property owners, or GCs who require it by contract
Covers claims arising from serving or selling alcohol critical for restaurants and events
Adds an extra layer of protection above your CGL limits for catastrophic claims
We offer tiered coverage options so you only pay for what your business actually needs.
Get your general liability insurance quote online in minutes. We’ve streamlined the process so you spend less time on paperwork and more time running your business.
Industry, revenue, employees, location basic details to assess your risk profile
Our agents shop A-rated carriers to find the best coverage at the best price
Receive a clear, easy-to-understand quote with no confusing jargon
Purchase your policy online or with an agent get your COI same day
Everything you need to know about Commercial General Liability Insurance.
CGL is not federally mandated, but many states, clients, and landlords require GL insurance for contractors. Most service businesses cannot operate on job sites without proper general liability insurance requirements.
No, CGL covers third-party claims from customers, vendors, or the public. Employee injuries are covered by Workers’ Compensation insurance, which is a separate policy.
In most cases, we can issue your COI the same day you purchase your policy. This is critical when you need proof of insurance before starting a job.
CGL is your foundation but a complete protection strategy often includes these additional policies.
Required in most states if you have employees covers job-related injuries and illnesses
Essential if your business owns or operates vehicles for work purposes
Covers errors, omissions, and negligence claims in service-based professions
Protects against data breaches, ransomware, and cyber-attacks targeting your business
Bundles CGL + property insurance into one cost-effective, comprehensive package
Covers your building, equipment, inventory, and assets from fire, theft, and disasters
Get a free, no-obligation quote in minutes. Our agents are standing by to help you find the right coverage.
