General Liability Insurance

General liability insurance protects your business from unexpected costs when accidents happen, products fail, or someone claims harm caused by your operations. Think of it as your financial safety net.

Property Damage

Covers costs if your product or services cause damage to a customer’s property.

Bodily Injury

Pays for medical bills, lost wages, and legal fees if someone is injured at your business.

Product Liability

Protects against claims when a product you sell or make causes harm.

Personal & Advertising Injury

Covers claims like libel, slander, copyright infringement, or privacy violations tied to your business or marketing.

Legal Defense

Even if claims are false, legal fees add up fast. Liability insurance covers your defense costs.

What’s Not Covered

Some risks need different types of insurance:

• Employee Injuries: Covered by Workers’ Compensation, not general liability.
• Professional Mistakes: Requires Errors & Omissions (Professional Liability) coverage.
• Auto Accidents: Need a separate commercial auto policy.
• Intentional Acts: Claims from intentional harm aren’t covered.
• Your Work: Defects in your workmanship fall outside general liability.

How Much Does It Cost?

General liability insurance pricing depends on your industry, revenue, location, and claim history.

• Low-risk businesses (consulting): $300 – $800 per year
• Moderate-risk (retail): $500 – $1,500 per year
• High-risk (construction/manufacturing): $1,000 – $3,000 per year

👉 A good policy keeps your business protected from costly surprises.