General Liability Insurance
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What is General insurance?
General Liability, also known as Commercial General Liability (CGL) or Business Liability insurance can protect your business against bodily injury or property damage lawsuits from third-parties. It is the most common and essential type of insurance for small businesses.
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.
What does General Liability insurance cover?
General liability insurance helps protect your business if a third party is injured or has their property damaged because of your business activities, whether on-site or off-site.
Third Party Injury
For example, a customer slips on a wet floor at your business premises and is injured.
Legal Defense Costs
Legal fees, court costs and settlement expenses, even if you are not at fault.
Property Damage
Claims arising from the accidental damage to customer’s property such as furniture, equipment or building.
Personal and Advertising Injury
Covers legal fees and compensation for claims of defamation, libel, slander or copyright infringement, deceptive or misleading advertising practices.
- Employee injuries
- Costs of rectifying faulty workmanship or product recall
- Contractual liability
- Aircraft products
- Liquidated damages
- Punitive damages (where the insured acted so badly that extra damages were awarded)
- Damage to your own business or personal property
- Professional negligence
- Events occurring before or after the policy period
- Asbestos
- Gradual pollution
- Liabilities assumed under contract which the insured would not be liable for at common law
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Who needs General Liability insurance?
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.
- Home Health Agencies and Providers
- Home Health Aides
- In-Home Caregivers
- Adult Day Cares
- Skilled Nursing – such as RNs, CNAs, LPN/LVNs
- Physical Therapists
- Occupational Therapists
- Personal Care Assistants
- Companion Care Providers
- Hospice Cares
- Unskilled / ADL providers
- Writers, Authors and Publishers
- Bloggers and Content Creators
- Management Consultants
- OHS Consultants
- IT Consultants and Professionals
- Architects and Engineers
- Software Engineers
- Photographers and Videographers
- Financial Planners
- Notary Public
- Social Media Influencers
- Recruitment Consultants
- Mediators
- Expert Witness
- Electricians
- Carpenters
- General Contractors
- Painters and Decorators
- Handymen
- Plumbers
- Cleaners and Janitors
- Landscapers
- Gardeners
- Plasterers
- Tilers
- Mechanics
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?
General Liability can cost as low as $33/month with BizIinsure. Getting a quote with BizInsure is easy – online or over the phone with our licensed agents.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Get coverage that matches the risks of your business
With BizInsure, you can select different levels of cover to suit your needs, upto $1 million million per occurrence and Up to $3 million in the aggregate.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts or commercial lease
Number of employees being covered
Worst case scenario claim size
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to Jun 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Click here to check industry wise average prices
Get coverage that matches the risks of your business
With BizInsure, you can select different levels of cover to suit your needs, upto $1 million million per occurrence and Up to $3 million in the aggregate.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts or commercial lease
Number of employees being covered
Worst case scenario claim size
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Frequently asked questions
While it is not a legal requirement for most businesses, there are some situations where it may be mandatory for you to have you an active General Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
Every business is unique, and the amount of general Liability cover you may need will depend on several factors, such as the size of your business and where it is located. BizInsure offers flexible General Liability limits upto $3 million to suit small businesses of different sizes.
