Commercial Insurance
General Liability Insurance for Businesses
General liability (GL) is the foundational commercial insurance every business needs — covering third-party bodily injury, property damage, and personal/advertising injury claims. Most landlords, customers, and contracts require it. Get an instant general liability price online and activate coverage today — most quotes take under 2 minutes.
What General Liability Insurance Covers
General liability covers third-party claims when your business or its employees cause bodily injury, damage someone else's property, or commit certain personal/advertising injuries (libel, slander, copyright issues in your marketing). It does NOT cover injuries to your own employees — that's what workers' comp is for.
Who Typically Needs General Liability
- Any business that interacts with customers, vendors, or the public
- Tenants whose lease requires GL coverage with the landlord as additional insured
- Contractors required to carry minimum GL limits by their clients
- Service providers whose work could damage client property
What We Offer
- Instant online GL quotes with same-day online purchase by card
- Multi-carrier shopping across A-rated GL markets
- Per-occurrence and aggregate limits matched to your contract requirements
- Additional-insured endorsements for landlords, GCs, and clients
- Combined GL+WC quotes for streamlined renewal management
- Industry-specific class-code accuracy (construction, hospitality, professional services)
Frequently Asked Questions
What's the difference between general liability and workers' comp?
General liability covers injuries and damage to OUTSIDE PARTIES (customers, the public, other businesses). Workers' comp covers injuries to YOUR EMPLOYEES on the job. Most businesses need both — GL for third-party exposure, WC for employee exposure. We frequently bundle them through the same carrier for combined-policy savings.
What does general liability typically cost?
GL premiums vary by industry, state, and revenue. A small office-based business might pay $400-$700/year for $1M/$2M limits. A construction contractor with the same limits might pay $3,000-$10,000+. Risk class, payroll, and prior claims drive most of the variance. Get a quote with your specifics for an accurate range.
Will my landlord or customer accept my certificate of insurance?
Almost always — once we know what their addendum requires (limits, additional insured language, waiver of subrogation, primary-and-noncontributory wording), we structure the policy and certificate to match. We've handled thousands of compliance-required certificates.
Can I get GL and workers' comp on one policy?
Most carriers offer Business Owner's Policies (BOPs) that bundle GL with property and sometimes other lines. Workers' comp is typically a separate policy due to state regulation, but the same carrier (and broker) can manage both. Ask about a multi-line discount when you quote.
Can I get an instant general liability quote and buy online?
Yes. Our online quoter returns a real general liability price — most quotes take under 2 minutes. If the price works, you can purchase the policy online by card and activate coverage the same day; BOP and professional liability can be quoted and purchased online too. Prefer to talk it through? Call 859-407-4888 and a licensed agent will help.
Related Coverage
See your General Liability price now
Get an instant general liability quote online and activate coverage today — most quotes take under 2 minutes. Workers' comp, BOP, and professional liability quotes are available in the same online flow. Prefer to talk? A licensed agent is one call away.
Get an Instant Quote Online Call 859-407-4888