General Liability Insurance

Liability Insurance Created to Meet Your Needs

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What is General Liability Insurance?

General Liability insurance, also referred to as Commercial General Liability insurance or business liability insurance, is the most fundamental insurance coverage a business can purchase. It protects a business against the risk of unintentional accidents, which include bodily injury and property damage to a third party.

Here’s an example of bodily injury that would be covered by General Liability insurance: 
You are working at a client’s property and you leave your tool box on the floor. As they are leaving, the client trips over your tool box and injures themselves.

And here’s an example of property damage that would be covered: 
You are meeting in a client’s office. While walking towards them, you trip over a cord and knock over an expensive lamp. The client wants you to reimburse her for the cost of the lamp.

If you do not have General Liability insurance, these claims could be very costly. Purchasing general liability insurance can give you the peace of mind you need to stay focused on building your business.

Why Do I Need General Liability Insurance?

Unfortunately, we live in a world in which lawsuits have become a daily occurrence. General Liability insurance protects you from litigious third parties who may be quick to sue for accidents that fall outside of your control. Think of it this way: the cost of insurance is negligible in comparison to the cost of defending yourself in court.

Some companies require that their workers carry General Liability insurance. You should consider purchasing General Liability insurance coverage if you work with clients on a face-to-face basis – at a client’s place of work, at your own place of work, or at a third-party location.

Bodily Injury

Accidents and injuries can happen on the job even when we have taken great care to avoid them. Bodily injury is the portion of the General Liability policy that covers claims for physical injury to a third party.

ex. You are working at a client’s property and you leave your tool box on the floor. As they are leaving, the client trips over your tool box and injures themselves.

Property Damage

General Liability insurance also offers coverage for damages to another person’s or business’ property.

ex. You are meeting in a client’s office. While walking towards them, you trip over a cord and knock over an expensive lamp. The client wants you to reimburse her for the cost of the lamp.

What Does General Liability Insurance Cover?

What's Covered:

  • Bodily Injury
  • Medical Expenses
  • Defense Costs
  • Damage to Third-Party Property

What's Not Covered:

  • Your Property
  • Vehicles and Boats
  • Personal Identifiable Information
  • Professional Services
  • Intent to Injure
  • Coverage Outside Policy Period
  • Employee Injury
  • Workers Compensation
  • Known Claims Prior to Start of Policy

What is the Cost of General Liability Insurance?

The cost of your General Liability insurance coverage will vary based on a number of factors, most notably your industry and your ZIP Code. Your industry determines your risk exposure, as some jobs come with a higher probability of accidents involving bodily injury or property damage. Your ZIP Code also affects the cost of your insurance policy, as premiums can vary significantly from state to state or even between rural and metropolitan areas in one geographic region.

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* Eligibility, pricing and coverage may vary by state, activity / class and other factors.

Verifly Insurance Services, Inc. is licensed as an insurance producer in the states where it offers insurance products on this website/app for sale. However, the insurance products on this website/app may not currently be available in all states including in the states where the insurance products have not been approved for use by the applicable insurance regulators. Verifly makes no representation that the insurance products on this website/app are appropriate or available for use in any particular jurisdiction. If you access this website/app from a jurisdiction where the insurance products generally or any insurance product specifically are not being offered for sale, you hereby acknowledge and agree that you are viewing this website/app for general informational purposes only. All insurance products are subject to the terms & conditions of the insurance policies and all other documentation for such insurance products. Eligibility, pricing and coverage may vary by state, activity / class and other factors. Please be advised that we cannot add, delete, or modify coverage via email.

This information is provided to assist you in understanding the coverage being offered and does not modify the terms and conditions of any insurance policy, nor imply a claim is covered. Specific coverage terms vary by class of business. See your policy for full details.

This Non-Binding Indication does not offer insurance coverage and does not commit anyone to offer insurance coverage.Any offer of insurance coverage resulting from the submission of this Non-Binding Indication shall be an estimate of premium costs, forms, terms and conditions. To secure a bindable quote, it will be necessary to complete the application and submit all required attachments to such application. This quote is subject to the terms & conditions found here, including, without limitation, the Disclaimer of Warranties, Limitation of Liability, and Exclusion of Damages provisions contained therein. Any insurance coverage will be subject to the terms and conditions of the insurance policy for the coverage.