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What is General Liability insurance­­­ (GL)?

General Liability is the most common and essential type of business insurance. Also referred to as Commercial General Liability or Business Liability, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Whether an accident is your fault or not, or the accusation is true or meritless, General Liability coverage may help protect your business against covered claims by paying defense costs and any damages up to your chosen policy limit.
If you have any further questions regarding General Liability insurance, feel free to click the link below for our FAQ’s.
Click here for a complete list of Frequently Asked Questions

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You can relax knowing you’ve secured the right insurance and the right price with Bizinsure. We allow you to compare multiple quotes so you can compare cost and coverage.

Who needs General Liability insurance?

Frequency and severity may vary by occupation; however accidents can happen with any type of business. General Liability is there to be your backstop in case of the unexpected. Small companies may have the greatest need for General Liability as they often have less financial reserves available when something goes wrong. Sole Proprietors often believe that their homeowner’s or renter’s policy will respond for business activities, a perception that is often not true. Larger companies often get brought into claims even if they have not done anything wrong.
It is also common for customers, landlords and other interested parties to require you show them proof of General Liability coverage prior to entering into a contract with them.

Below are a few guidelines to take into consideration when deciding if General Liability is the right insurance for you:

Do you, your business or your employees:

  • Visit a client’s place of work or do clients visit your work site?
  • Routinely interact with outside parties?
  • Use a third-party location for any business related activities?
  • Sell a physical product?
  • Provide physical services to others?

If you answered ‘Yes’ to any of these questions, General Liability Insurance is something that you should consider. Insurance is about protecting you and your business from real or false claims made against you, and this is especially important when your livelihood is at stake.

How much does General Liability insurance cost?

Premium can vary significantly based on your profile and your specific needs. However, for small businesses, policies can be as low as $33/month. Getting a quote with BizInsure is easy – online or over the phone with one of our licensed agents who will offer expert advice and walk you through the process. In the end, we want you to have the right coverage to suit your needs and not break your budget. Our process is rooted in technology so that we can pass the cost savings and efficiency along to you.
You can complete the entire transaction online or speak to a licensed agent who can walk you through the process and help you find the right coverage to meet your exact needs. Get an online quote now  or call one of our licensed professionals at 1-877-900-9998 to find out just how competitive we can be.

By the time I was done with setting up the policy, I was actually smiling and in a good mood. This is not something that happens much anymore in todays online business dealings.

Mark Mathis (President)
Mathis Enterprises, Inc.

BizInsure exceeded our expectations in meeting the complex insurance needs of our company. The quotation and issuance process was shockingly painless, their rates were consistently less than traditional brokers, and they picked up the phone when I need to speak to a person.

Steve H. (Software Developer)
Corrales, New Mexico

BizInsure is excellent for small businesses, start-ups or consulting professionals who need insurance. The system was quick and easy to use and the customer service representative helped me ensure that the policy met my contractual requirements.

Cassie (Publisher)
Mountain View, CA

I wanted to let you know how much we appreciate BizInsure. Many people (myself included) have long felt that for intimate business relationships like Business Insurance, you need a local, face to face relationship. Your team has redefined this for me. Your prompt responses and accessible staff make me very confident in our long term business relationship.

Jason (Marketing Consultant)
Stockton, CA