Skip to main content

General liability insurance provides protection that keeps up with your industry.

General Liability Insurance - Manager Leads Personnel Meeting with Business Colleagues and Brainstorms Together in a Conference Room of a Modern Office with Large Windows

Home » Business Insurance » General Liability Insurance

Get coverage for the uncertainties in business with general liability insurance.

Offers protection against the risk of damages.

When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious—but no less important—is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.

What insurance does and does not cover.

This policy mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client. It’s important to note that this type of coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance may help to protect your business from that specific type of risk.

  What is covered by general liability insurance?

Bodily injury, property damage, advertising injury, and medical payments are typically included.

  How much does general liability insurance cost?

The cost of your policy may vary depending on the industry type, location, and size of your business, as your risks will be different.

When is general liability insurance required?

Your business needs to have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before some businesses will sign a contract with you.

Legal and Contractual Obligations

As business owners, we understand the importance of protecting assets, employees, and the future of the company. Business liability insurance is a cornerstone of that protection. Whether you operate a small storefront or manage a growing enterprise, this type of coverage offers essential financial protection against unexpected claims. A solid liability policy helps cover costs associated with medical expenses, property damage, and personal injury — all of which could otherwise put operations at serious risk.

General liability insurance is often more than a wise investment. It’s also a requirement for many businesses. Landlords, clients, and business partners may not engage with you until you provide proof of liability coverage. These requirements help ensure you’re financially capable of covering damages in case of accidents, injuries, or negligence. In some industries and states, carrying general liability insurance is required by law to operate legally and ethically.

Protecting Against Common Risks

A wide variety of risks are covered under general liability insurance. Common types of claims include:

  • Personal injury: If a customer slips and falls on your property, you may be liable for their medical expenses.
  • Property damage: If your business operations damage a client’s equipment or physical space, you could be responsible for repairs or replacement.
  • Work-related injuries: Liability coverage helps protect you from claims involving third-party injuries that occur due to business activities.

Whether you’re insuring a retail store, a contracting company, or a professional services firm, these protections are critical for protecting your business.

Comprehensive Coverage and Peace of Mind

While general liability insurance is essential, it’s often one part of a comprehensive commercial insurance plan. Depending on your general operations, you may also need:

Working with an experienced insurance agent, such as Southern States Insurance, helps you evaluate the specific risks of your business type. We can guide you through the types of coverage and provide a liability insurance quote tailored to your needs. In the end, a strong insurance strategy offers more than coverage. It delivers peace of mind and helps keep you in business.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

General Liability Insurance Quote Request

"*" indicates required fields

Name
Text & Email Consent
Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 678-715-9513 or .