General Liability

Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business.


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With an easy online platform, you can quickly get the coverage you need at an affordable price so you can focus on your work.

What is General Liability Insurance

General liability business insurance can provide financial protection for some of the most common accidents at a business.

It can help if someone other than an employee gets hurt and your business is at fault. This is called “bodily injury.”

General liability insurance coverage can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.

And if you’re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.

It’s one of the most frequently purchased types of business insurance by small business owners because of the broad protection it offers.

This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance.”

What does General Liability cover?

General liability insurance coverage can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:

  • Injuries to people who are not your employees (bodily injury)
  • Damage to another person’s property (property damage)
  • Court and legal fees
  • Medical payments
  • Advertising harm
  • Accusations of libel or slander (personal injury or reputational harm)
  • If you're involved with any of these business risks, our general liability claims process could provide financial help if it is a covered event.

Business Categories - General Liability Coverage

This is not a comprehensive list.  If you don't see your specific business below, please still begin your quote - there are over 1300 business categories available.

Arts and Entertainment

  • Actor
  • DJ
  • Event Planner
  • Glass Blowing
  • Music Entertainment
  • Music Production Services
  • Performing Arts
  • Video and Film Production
  • Wedding Officiant

Auto Service and Repair

  • Auto Body Shop
  • Auto Parts Store
  • Auto Repair Shop
  • Car Wash
  • Oil Change Station
  • Tire Shop

Beauty and Personal Care

  • Barber
  • Beautician
  • Cosmetologist
  • Day Spa
  • Esthetician Services
  • Hair Stylist
  • Nail Technician


  • Carpet Cleaning
  • Floor Waxing
  • House Cleaning and Maid Service
  • Janitorial Services
  • Pressure Washing
  • Window Cleaning

Creative Services

  • Advertising and Promotions Managers
  • Editorial Services Graphic Designers
  • Marketing Photo Editing, Scanning and Restoration
  • Photographer
  • Print Binding and Finishing Workers
  • Videographers
  • Wedding and Event Invitations Writer


  • Computer Lessons
  • Education Consulting
  • Musical Instruments and Teachers Tutor


  • Art Consultants
  • Business Consulting
  • Employment Agencies
  • IT Consulting or Programming
  • Occupational Health and Safety Specialists
  • Product Designer
  • Safety Consultant
  • Training and Development Specialists
  • Translator


  • Carpentry
  • Drywall and Wall boarding
  • Electrical
  • Garbage Collection
  • General Contractor
  • Handyperson
  • Landscaping and Lawn Care
  • Painting
  • Septic Tank System Cleaning

Financial Services

  • Accountant
  • Actuarial Service
  • Business Financing
  • Credit Authorizers, Checkers and Clerks
  • Debt Relief Services
  • Financial Adviser
  • Financial Examiners
  • Loan Officers
  • Securities, Commodities and Financial Services
  • Sales Agents
  • Title Loans

Food and Beverage

  • Bakery
  • Caterer
  • Coffee Shop
  • Food Truck
  • Grocery Store
  • Restaurant

Health and Wellness

  • Community Health Workers
  • Dentists
  • Doctors
  • Home health aides
  • Mental health counselors
  • Nurse Practitioners
  • Pediatricians

Insurance Professionals

  • Claims Adjuster
  • Insurance Agent
  • Insurance Appraiser
  • Insurance Inspector


  • Legal Service
  • Notary

Real Estate Services

  • Real Estate Agent
  • Property Manager
  • Mortgage Broker


  • Convenience Stores
  • Ecommerce Electronics Store
  • Farmers Market
  • Hardware Store
  • Pet Stores
  • Retail Stores

Sports and Fitness

  • Dance Instructor
  • Fitness Instructor
  • Fitness Studios
  • Golf Instructor
  • Indoor Cycling Instructor
  • Martial Arts Instructor
  • Personal Trainer
  • Sports Coach
  • Umpires, Referees and Other Sports Officials
  • Yoga Instructor

Coverage Options

General Liability

Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business.

Professional Liability (E&O)

Coverage for business mistakes and accusations of negligence

Business Owners Policy (BOP)

This coverage packages liability and property coverage into one policy. Common for small businesses with commercial buildings or personal property.

Workers' Compensation

This protects you and your employees. It helps pay for things like medical costs and lost wages of employees who become injured or ill on the job.

Commercial Auto

If you use your vehicles for your business, you probably need this coverage. This can include traveling between job sites, making deliveries, or transporting tools and equipment.

Tools and Equipment

From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.

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Not quite sure yet?

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