General Liability Insurance

The basic protection for claims against your business.

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Fast, affordable coverage from America’s
leading small business insurer.

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What is General Liability Insurance?

General Liability (GL) insurance, sometimes called small business liability insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including 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 small 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.
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 a customer’s property is damaged at your location or at a job site, general liability insurance could cover the cost to repair or replace it.

Use advertising to market your company

If you promote your company and accidentally use wording that is under copyright or trademark, general liability insurance could cover you if a claim occurs.

Use third-party locations for business related activities

If someone (other than you or an employee) is injured on a job site where you are responsible, general liability insurance could cover their medical costs.

Require coverage in order to be considered for a project

If you propose or bid on certain contracts, liability insurance could be a condition of the contract award.

Why over 500,000 small businesses choose Hiscox

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    Tailored
    Policies customized just for you.

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    Simple
    Fast quotes, instant coverage, quick claims.

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    Established
    Supporting the courageous since 1901.

Customer reviews

  • Emanual

    Easy Self Maintenance Policy
    Up & running in less than 10 minutes. Never had a claim so all is great so far.

    5 star review
  • Aaron

    Get’s no better
    Quick and easy approval process, Very affordable with quality business, HIGHLY RECOMMEND.

    5 star review
  • Jan

    I will use Hiscox again and again! :)
    Quick and easy online service.

    5 star review
  • Teresa

    Great customer service.
    Customer service was very friendly and knowledgeable. I needed to make a few changes to my policy and they made it very easy to do…

    5 star review
  • Matthew

    A stress-free, easy option for business liability insurance, and more! Hiscox has provided a stress-free, easy option to purchasing quality business liability insurance (and more), and stayed focused on providing valuable resources for me and my business…

    5 star review
  • Shaundra

    Ease of acquiring the insurance (protection) I needed to fit my business and my budget.

    4 star review

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