Best General Liability Insurance in 2025
Find quotes to protect your business with general liability insurance
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Frequently Asked Questions
How much does general liability insurance cost for small businesses?
Small businesses typically pay $400-$1,500 annually for general liability insurance. Low-risk businesses like consulting firms often pay around $400-$600, while higher-risk businesses like contractors may pay $1,000-$1,500 or more. Your exact cost depends on industry, business size, location, coverage limits, and claims history.
What does general liability insurance cover?
General liability insurance covers bodily injury to third parties, property damage you cause to others, personal and advertising injury claims, and legal defense costs. It doesn't cover employee injuries (that's workers' comp), professional mistakes (that's E&O insurance), or damage to your own property.
Do I need general liability insurance if my office is at home?
Yes, homeowners insurance doesn't cover business activities. If a client visits your home office and gets injured, or if you accidentally damage client property, general liability insurance protects you. Many home-based businesses can get basic coverage for around $400-$600 annually.
When do I need to buy general liability insurance?
Buy general liability insurance before you start operating your business. Many clients, contractors, and landlords require proof of coverage before you can work with them or sign lease agreements. Don't wait until you need to file a claim.
Can I get general liability insurance without other business insurance?
Yes, you can buy standalone general liability insurance. However, bundling it with other business insurance like commercial property or workers' comp often reduces your total premium costs. Many insurers offer business owner's policies (BOPs) that combine general liability with property insurance at a discount.