General Liability Business Insurance

Commercial General Liability Insurance for Small Businesses. Protect yourself from accidents.

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What is General Liability Insurance?

General Liability insurance, also referred to as Commercial General Liability (CGL) insurance or business liability insurance, is the most fundamental insurance coverage a business can purchase. A CGL policy protects a business against the risk of unintentional accidents, which include bodily injury and property damage to a third party. If you do not have a General Liability insurance policy and something happens, the claims could be very costly. With general liability insurance you’ll have 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 legal fees needed to defend 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.

What Does General Liability Insurance Cover?

General liability insurance protects against unintended accidents which cause bodily injury or property damage. 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. For example, 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. For example, 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’s Covered?

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

What’s Not Covered?

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

How much does General Liability Insurance Cost?

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. Thimble makes general liability insurance affordable with on-demand policies for when you actually need them. Get General Liability coverage by the hour, day, month, or more with up to $2 million in coverage and $0 deductible.

Who is General Liability Insurance for?

Covered Activities:

How long does it take to get a General Liability Insurance quote?

With Thimble, you can easily get a quote in 60 seconds. Best of all, your general liability insurance policy can start the same day, within an hour!

What Other Insurance Coverage Do I Need for My Business?

While General Liability insurance is designed to protect your business against bodily injury, property damage, and personal injury claims, you may want to consider a number of other coverage types depending on the nature of your business. Professional Liability Insurance, which is designed to protect against errors & omissions claims—i.e., allegations that a job has been done improperly and resulted in monetary or reputational damage—is essential for a range of professionals, from consultants to photographers. Learn more about Professional Liability Property insurance protects the value of your assets, including commercial premises, equipment, and supplies, in case they are damaged or destroyed. Workers’ Comp is essential if your business has employees or workers of any kind. This coverage applies to medical expenses and lost wages associated with work-related injuries and illnesses.

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