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General Liability Insurance Coverage

General liability insurance can also be referred to as commercial liability insurance or liability insurance, and it protects you and your business from a variety of financial burdens, including lawsuits and medical bills. General liability insurance for a business can protect your company from an accident that involves company property – a physical location or even a corporate vehicle – having led to the bodily harm of a third-party. General liability insurance can also protect you from personal and advertising injury deemed libel or slander.

What is covered

As general liability coverage protects against general physical and intellectual harm, coverage can help with medical payments, legal costs, including defense costs, settlement payments, or court ordered fines.

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Important things to consider

When exploring the coverage and amount of general liability insurance your business needs, keep in mind the following considerations and answer them on behalf of who you absolutely must protect.


Do we have a high volume of customers/guests coming on site?


Are there company cars, transport, or delivery vehicles to account for?


What sort of content creation should be protected in this policy?


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Remember, you should always discuss coverage options with a general liability insurance specialist to find the best fit for you and your business.

Why Your Business Needs General Liability Insurance

There are a variety of reasons why your small business needs to protect itself with general liability insurance. Here are a few:

  • Most businesses are required to carry general liability insurance to operate.
  • Having insurance for general liability ensures that you can cover medical and legal costs if anyone experiences bodily harm on or because of your company’s property.
  • Legitimate or not, legal claims against your company cost money. Generally liability insurance (or Errors & Omissions) can help with those legal costs.
  • Beyond bodily harm, general liability insurance can protect you from personal and advertising injury, such as libel, slander, copyright infringement, and disparagement.
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Cost of General Liability Insurance

When shopping for the right coverage, there are a lot of factors that go into determining cost and coverage for your general liability insurance. Here are some tips for proactively reducing risk and the cost of general liability insurance for your business:


Prepare, and hold your staff to high standards for product quality and safety

Building Maintenance

Keep your building and commonly used spaces, especially flooring and carpets, clean, clear, and up to code; designate any areas that might require more caution.

Parking Lot Maintenance

Fill potholes and large cracks, ensure that there are clearly designated walkways for pedestrians and ensure things like snow and ice are cleared.


Keep stairs clear of debris and ensure that adequate hand railings are installed securely.


Proper amounts of indoor and outdoor lighting help minimize accidents caused by low visibility.

Communication Standards

Develop a protocol for standards of communication and compliance to minimize the risk of copyright infringement or libel.

Bundling Discounts

You can also save on general liability insurance costs by bundling with other important coverage such as commercial property insurance.

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Property Insurance

The physical space and equipment you use to run your business can be protected from damage or loss with commercial property insurance from Ansay & Associates. Click to learn more about your coverage options.

Property Insurance
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Workers Compensation

Workers’ compensation can help cover medical costs and even provide employee wages for time missed from work and is an important thing to have as a business owner. Learn more about workers’ compensation insurance coverage options.

Workers Compensation
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Business Auto

If a company vehicle is involved in an accident, your business will only be protected with the right commercial auto insurance coverage. Learn more about business auto insurance.

Business Auto

Errors & Omissions Insurance

This coverage helps protect companies or professionals who provide advice, consultation or similar services against negligence claims.

Learn more about E&O insurance

Frequently Asked Questions

Answers to Frequently Asked General Liability Insurance Questions

What does General Liability Insurance cover?

General liability insurance can cover the costs you and your business may be liable for in the event of bodily injury to a third-party or by intellectual harm such as libel, slander, and copyright infringement. This includes legal and defense fees, medical expenses, and other damages you may incur.

How much is General Liability Insurance?

General liability insurance cost varies depending on your business’ needs and risk exposure, but typically costs between $X-$XX per month. You can also save by bundling coverage, and an independent general liability insurance expert can help match you with the best price points for your need.

How do I get General Liability Insurance?

Contact a general liability insurance expert and review policy options. They will be able to provide you with quotes that match your needs and price points.

How is General Liability Insurance calculated for Contractors?

There are a variety of factors considered when calculating general liability coverage for a contractor. These considerations are often called “the total risk of the job” and include things like the physical job site, material cost, and potential losses.

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We're here to answer your questions. Let's talk.

If your business is ready to take the next step in liability protection, reach out to Ansay & Associates – we’ll help you find the coverage that’s right for you.

Please note, your message does not bind, alter, or cancel coverages and is not effective until confirmed directly with a licensed agent.

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