General Liability Insurance
General liability insurance for small businesses.
Request liability coverage options for business operations, customer injuries, property damage concerns, and certificate requirements.
What this coverage may help with
Foundational liability protection for your business
General liability insurance may help protect your business from common third-party claims — a customer slipping on your property, damage to a client's property while you're on site, or certain advertising injury claims.
It's the foundational policy most small businesses carry, often required by landlords, clients, and contract counterparties.
What we typically need for a quote
- Industry / type of business
- Years in business and number of locations
- Estimated annual revenue
- Employees and use of subcontractors
- Brief description of operations
- Required limits, additional insureds, or contract requirements
Coverage options
Coverage options to consider
Coverage options vary by carrier, state, and eligibility. Your agent will explain the trade-offs in plain language.
Bodily Injury
May help with third-party injury claims.
Property Damage
May help with damage to others' property.
Products & Completed Ops
Coverage option for claims tied to products or completed work.
Personal & Advertising Injury
Coverage option for certain reputational and advertising claims.
Additional Insureds
Endorsement option for landlords, clients, and contract requirements.
Certificates of Insurance
Proof of coverage for jobs, vendors, and clients.
Who it's for
Built for everyday small businesses
- Retail shops, salons, and service businesses
- Cleaning and janitorial companies
- Landscaping and grounds maintenance
- Professional and consulting services
- Food and beverage businesses (where eligible)
- Contractors and tradespeople
Why Quick & EZ
A modern independent agency that works for you
- Independent — we shop with multiple top-rated carriers.
- Plain-language guidance from real agents.
- Bilingual support — Hablamos Español.
- Fast quote requests, no call-center runaround.
- Personal and commercial lines under one roof.
- Licensed across multiple states.
Prefer to talk first?
Speak with a licensed agent
Our team will walk you through what's commonly needed and the coverage options that may fit.
Related coverage
Often paired with this coverage
Many clients combine these coverages — bundling can often unlock multi-policy discounts.
Business Owners Policy
GL plus business property for qualifying businesses.
Learn more →Workers Compensation
Required in most states when you have employees.
Learn more →Commercial Auto
If you use vehicles for business, you'll need commercial auto.
Learn more →Contractors Insurance
GL, comp, auto, tools, and certificates in one path.
Learn more →FAQ
Common questions
What does general liability typically cover?+
General liability may help with third-party bodily injury, property damage, and certain personal/advertising injury claims arising from your operations. Exact coverage varies by carrier and policy form.
How is General Liability different from a BOP?+
GL focuses on liability. A Business Owners Policy may bundle GL with business property coverage for qualifying small businesses. The right option depends on your business type, property, and eligibility.
Do I need GL to win contracts?+
Many client contracts, landlords, and vendors require proof of general liability insurance through a certificate of insurance (COI), often with specific limits and endorsements.
What information do you need for a GL quote?+
Industry, revenue, payroll, employees, locations, operations, prior claims, subcontractor use, and any required limits or endorsements.
Can I add additional insureds and waiver of subrogation?+
Yes — these are common endorsements requested in contracts. We can request them on your behalf, subject to carrier eligibility.
Does GL cover employee injuries?+
Generally no — employee injuries are typically covered by workers compensation, not GL.
Ready when you are
Request a general liability quote.
Tell us about your business and we'll review available options with a real licensed agent.
Coverage disclaimer
Submitting a quote request does not bind coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier. Coverage options may vary by carrier, state, underwriting, eligibility, and availability. This page provides general information only and does not constitute legal, financial, or insurance advice.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.