What is general liability insurance coverage?
What does general liability insurance cover?This liability insurance protects your small business from claims that occur during your normal business operations, such as:
- Property damage
- Physical injury
- Defense costs
- Personal and advertising injury
How much is general liability insurance?The cost of general liability insurance is based on your specific business needs. Your business is unique, and so are the risks. Factors that influence the cost include:
- Type of work
- Number of employees
Common terms to know when shopping for liability insurance.
Who needs general liability insurance coverage?
- Artisan contractors
- Small business owners
- Landscaping companies
- IT contractors
- Real estate agents
- Janitorial services
- And more
Should you get general liability insurance for your LLC?While an LLC provides some protection from personal liability for members, the protection is not absolute and your business can still be sued. General liability insurance for your LLC helps protect your small business from the consequences of third-party claims for injury or property damage.
Does your company need a different type of liability insurance coverage?
- Your company provides professional services (e.g., education and training)
- You rent or own a storefront
- You use vehicles to transport goods, yourself, or employees
Additional Coverages to consider with your BOP Insurance? GEICO can help.
This 2-in-1 policy includes general liability plus protection for your property. It can cover:
- Business location, merchandise, store contents, and equipment
- Business interruption expenses and loss of income
- Cases where someone is hurt on your premises
Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.
We often recommend professional liability coverage to go with general liability or a BOP.
- This covers certain professional and personal services, in case you're sued for negligence or for the advice you give clients
- It's often known as Errors and Omissions Insurance
Example: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.
A personal auto policy is not enough to cover vehicles used for business. Commercial auto insurance can:
- Cover business uses that personal auto policies don't include
- Offer more liability coverage to protect you
- Includes cars, pickup trucks, box trucks, and more
Example: On a job site, a carpenter accidentally backs into the homeowner's car. Commercial auto insurance could cover the damage.
Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or stolen personal data.
This helps provide financial protection for job-related:
Protection against claims of negligence of mistakes which cause bodily harm to another and is usually carried by:
- Physical Therapists
- Other medical professional
Protects healthcare professionals against claims of injury and medical negligence.
Need to speak with us about liability insurance coverage?
You can reach us at (800) 841-1621.
Mon – Fri8:00 AM – 9:00 PM (ET)
Sat9:00 AM – 5:30 PM (ET)
General Liability Insurance: Frequently Asked Questions
How can I manage my liability insurance policy?The Geico Insurance Agency makes it easy to talk directly with an insurance professional who can help you manage your general liability insurance policy.
Do you sell other business insurance products?Yes! Whether you're a small business just getting started or looking for better insurance rates, GEICO can help. Answer a few short questions about your business so we can help narrow down the search with you.
Do you have any information about starting a new business?Sure, we do! Here are about starting a new business.
Is my small business properly covered?For most small businesses, general liability insurance is recommended. Beyond that, it depends on your unique situation. Common types of business insurance include workers' compensation, commercial auto, and/or professional liability insurance as well. .
Please note:The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
General Liability coverages are written through non-GEICO insurance companies and are secured through the GEICO Insurance Agency, LLC. The information you provide will be shared with our business partners so that they can return a quote. We can help you secure business insurance in all states except Hawaii.