Protect Your Business Against Lawsuits with General Liability Insurance
Discounts Available
- Â Multi-Policy Discount
- Â Claims Free Discount
- Â Risk Managment Credit
- Â Auto-Pay Discount
General liability insurance is a core coverage that protects businesses from some of the most common and potentially costly risks. Whether you run a small business, manage a team, or operate independently, general liability coverage helps shield you from claims related to bodily injury, property damage, and personal or advertising injury.
This type of insurance is often the first policy a business purchases—and for good reason. It’s typically required for commercial leases, client contracts, vendor agreements, and licensing in many industries. Even low-risk businesses can face expensive claims from a single incident.
📈 How Coverage Limits and Premiums Work
General liability insurance policies are structured with two primary limits: per-occurrence and aggregate. The per-occurrence limit is the maximum amount the policy will pay for a single claim, while the aggregate limit is the total amount the policy will pay during the policy period (usually one year).
Premiums are based on factors like your industry, business size, annual revenue, location, and past claims history. Businesses operating in higher-risk fields—such as construction or manufacturing—may pay more, but also benefit the most from robust coverage. Many insurers offer flexible payment plans, and bundling general liability with other business policies can often reduce overall costs.
