Protect your business from liability claims
General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance quotes usually include:
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Bodily injury and property damage liability
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Personal and advertising injury
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Medical payments
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Products completed operations
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Damage to premises rented to you
Who needs general liability insurance?
General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it's also available to many contractors as a stand-alone coverage.
As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood.
Four out of 10 small business owners are likely to experience a property or general liability claim in the next 10 years. Claims range from unexpected incidents, like a burglary, to unforeseen accidents, such as a customer getting injured after slipping and falling.
Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.
General liability insurance for contractors
If you're a contractor, you might only want general liability - not a full BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you're still exposed to liability risks from your job.
You might be eligible to get general liability insurance, without the extra coverages in a BOP. We offer general liability, as well as Blanket Additional Insured Coverage to contractors who qualify.
Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some employer contracts.
General liability insurance cost
General liability insurance costs vary, so businesses pay different costs per year for coverage. Typically, businesses pay a few hundred to a couple thousand dollars a year. The average cost is $1,057 annually. The best way to find out how much general liability insurance will cost your business is to get a quote or call.
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Our team of insurance experts know the ins and outs of business insurance.
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You have options
As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your business needs.
We're not bound to a single insurance carrier, we represent you and your specific needs.
Our team of in-house specialists are experts at helping small business owners, like you, find BOP insurance coverage. They’ll help you get a quote with the best coverage for your specific business and budget.
