General Liability Insurance

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General Liability Insurance
Please enter a valid zip code.

Retrieve a quote

Speak with a licensed insurance agent
1-866-283-7545
Monday – Friday, 7am – 10pm ET
Speak with a licensed small business insurance agent
Monday – Friday, 7am – 10pm ET
Call 1-866-283-7545
94%
Hiscox rated 4.7/5
Rated 4.7/5

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What is General Liability Insurance?

General Liability insurance, sometimes called business insurance or commercial liability insurance, provides insurance coverage for your business against claims by others of bodily injury, damage to property, or personal injury. If someone comes to your place of business and is injured, a general liability policy could cover their medical costs. If someone else’s property is damaged and you are found to be responsible, the repair or replacement cost could be covered. And if someone’s reputation is damaged by something you or an employee said or wrote about them, the associated costs could be covered.

Why do I need General Liability Insurance?

As a business owner, you may be legally responsible if another person gets hurt or if their property is damaged while at your business or because of something you did. Make sure your business is properly protected against risks or accidents. General liability insurance coverage protects your business against claims by others of bodily injury or damage to their property. However, it does not protect your own personal property.

You should consider general liability insurance coverage if you or your employees:

  • Interact with clients face to face - If you visit a client’s place of work, or clients visit yours, there is always the possibility someone could get hurt and require medical treatment.
  • Have access to customer’s property - If you own a cleaning company and one of your employees breaks a vase while vacuuming a carpet at a customer’s home, general liability insurance could cover the cost of the vase.
  • Use advertising to market your company - If you promote your company and accidently use wording that is under copyright or trademark, general liability insurance could cover you if a claim occurs.
  • Use third-party locations for any business related activities - For example, architects should make sure that they’re covered with architects’ general liability insurance for injury or damage that might happen at a job site.
  • Enter into contracts that required general liability insurance - For example, many construction companies must have general liability insurance in order to be eligible to be awarded certain contracts.

General Liability Insurance policy coverage

What is covered?

  • Bodily Injury
  • Damage to third party property
  • Personal injury
  • Advertising injury
  • Medical expenses
  • Defense costs
  • Actions of your full-time employees and temporary staff
  • Supplemental payments
  • Electronic data liability for specific professions

What is not covered?

  • Your property
  • Vehicles and boats
  • Personal identifiable information
  • Professional services
  • Employee injury / workers compensation
  • Intent to injury
  • Coverage outside policy period
  • Known claims prior to start of policy

There are other kinds of business liability insurance that cover some of these things not covered by general liability insurance.

Professions we insure

How much does General Liability Insurance cost?

The cost of general liability insurance coverage varies based on the size of your business, the industry you are in, your location, and the amount of coverage you need. For more information on the cost of general liability insurance coverage, visit our cost page.

General Liability Insurance coverage details

What Hiscox General Liability Insurance policy doesn't cover

We want our customers to understand our general liability insurance policy. Below is a summary of some of the key exclusions regarding our general liability insurance coverage. For complete details of all the exclusions, please read the policy wording.

Learn more about General Liability Insurance

At Hiscox, we know business insurance can be a complex subject. We’ve compiled answers to some common questions people frequently ask about general liability insurance.

Visit our general liability FAQs page.

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Get Liability Insurance that best meets your needs

General liability insurance will not protect you from everything. For example, general liability insurance will not cover you against claims of negligence, even if it isn’t you or your business’ fault. Some people buy other business liability insurance along with general liability.

Why choose Hiscox?

  • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
  • Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Coverage for contracts: Our liability insurance coverage satisfies most standard contract insurance requirements.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service – 4.7/5 of people surveyed recommended us.

Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

94%
Hiscox rated 4.7/5
Rated 4.7/5

5 Stars

Marjorie, Miami, Florida

Prompt and efficient customer service

 

5 Stars

Peter, Naples, FL

"Painless experience! It was very easy to get the coverage that was needed. I would definitely recommend this to others in small business."

 

5 Stars

Jason, Danville, VA

"Few words"

Super easy. Good rate too.

 

4 Stars

Andrew Thomas Clifton, Chicago, Illinois

Simple. Some of the site was a bit overpacked and it slightly overwhelmed me at times but everything else was great

 

5 Stars

Leveda, Medora, Indiana

Fast and friendly service

 

See More Reviews


This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.