General Liability Insurance

General liability insurance is the foundation of small business insurance. It covers claims that your business caused bodily injury or property damage to a third party — a client, vendor, visitor, or member of the public.

What GL Covers

Bodily injury. A client trips over your equipment and breaks their wrist. GL covers medical bills and any lawsuit.

Property damage. You accidentally damage a client’s property while on the job. GL covers repair or replacement.

Personal and advertising injury. Claims of libel, slander, copyright infringement, or false advertising.

Legal defense costs. Even frivolous claims are expensive to defend. GL covers attorney fees and court costs.

What It Costs

For most small service businesses, GL costs $400 to $1,500 per year — about $30 to $125 per month. High-risk businesses like contractors pay more.