General liability insurance protection for your business
General liability insurance helps protect your business from injury, damage, and legal claims. Get a quote, compare coverage, and review the right policy.
General liability insurance quote
Types of general liability coverage
General liability insurance can help protect your business from bodily injury claims, property damage claims, personal and advertising injury claims, medical payments, and legal defense costs. Coverage options can include Coverage A for bodily injury and property damage liability, Coverage B for personal and advertising injury, and Coverage C for medical payments to others. Marble City Insurance helps business owners compare general liability insurance coverage, policy terms, deductibles, limits, and quote options for broader business protection.
Bodily injury
Bodily injury coverage, also called BI under Coverage A, helps protect your business when someone is injured in a covered incident. General liability insurance bodily injury coverage can help pay hospital bills, surgery, physical therapy, lost wages for the injured person, legal costs, and covered settlements.
Property damage
Property damage coverage, also called PD under Coverage A, helps protect your business when you damage someone else’s property in a covered incident. General liability insurance property damage coverage can help repair or replace covered property and help address related legal claims or settlement costs.
Personal & advertising injury
Personal and advertising injury coverage, often part of Coverage B, helps protect your business from covered non-physical claims. General liability insurance can help cover libel, slander, copyright infringement, and advertising-related claims that affect reputation, marketing activity, or business communication.
Legal defense
Legal defense coverage helps protect your business when a covered liability claim leads to a lawsuit or formal legal action. General liability insurance can help pay for a lawyer, expert witnesses, court costs, defense expenses, and covered settlement or judgment amounts.
Medical payments to others
Medical payments to others, also called Coverage C, helps pay immediately for a guest’s minor injury after a covered incident, regardless of fault, subject to policy limits. General liability insurance medical payments coverage can help address smaller injury claims before they become larger liability claims.
General liability insurance policy
A general liability insurance policy helps protect a business from covered bodily injury, property damage, personal injury, advertising injury, medical payments, and legal defense costs. General liability insurance is one of the most common business insurance policies because it helps protect against everyday third-party liability claims. The right general liability insurance policy can help protect business operations, contracts, finances, and long-term stability.
General liability insurance cost
General liability insurance cost can depend on business type, location, payroll, revenue, claims history, liability limits, deductible, and selected coverage options. Insurance cost may also vary based on industry risk, operations, subcontractor exposure, contracts, and prior losses. A general liability insurance quote helps you compare premium, coverage, and policy value before choosing protection.
General liability insurance plan
A general liability insurance plan should match the operations, customer exposure, contracts, and liability risk of the business. One general liability insurance plan may focus on basic injury and property damage coverage, while another may add higher limits or broader protection for advertising injury and legal defense. Marble City Insurance helps business owners compare plan options and build coverage that fits the business and the budget.
General liability insurance FAQs
General liability insurance is business coverage that helps protect against bodily injury, property damage, personal injury, advertising injury, and legal defense claims.
To get general liability insurance, gather business details, review coverage needs, compare policy options, choose limits and deductibles, and request a quote.
Most businesses need general liability insurance to protect contracts, customer interactions, liability exposure, business finances, and daily operations after covered claims.
General liability insurance is not always required by law, but leases, contracts, licenses, and business risk often make this coverage important.
General liability insurance is calculated using business type, revenue, payroll, claims history, location, operations, risk exposure, and selected liability limits.
Public liability insurance is often used as a similar term, but general liability insurance is the more common business coverage term in the U.S.
Business owners insurance is not the same as general liability insurance. A BOP can include general liability plus property and business interruption coverage.
General liability insurance usually does not cover theft of your business property. Commercial property insurance or crime insurance may cover theft losses.
General liability insurance may cover independent contractors in some situations, but coverage depends on policy terms, contracts, and how the contractor is classified.
General liability insurance can cover negligence claims when negligence leads to covered bodily injury, property damage, or personal and advertising injury.
Commercial general liability insurance usually does not cover automobile liability. Commercial auto insurance is typically needed for business vehicle liability claims.
Commercial general liability insurance usually does not cover business interruption. Business interruption insurance is separate coverage for lost income after a covered loss.
Commercial general liability insurance can cover property damage to someone else’s property when the business is legally responsible for the covered damage.
Commercial general liability insurance usually does not cover theft of business property. Commercial property or crime insurance may provide theft coverage.
General liability insurance usually does not cover auto accidents involving business vehicles. Commercial auto insurance is generally required for that exposure.
General liability insurance usually does not cover breach of contract claims unless the claim also involves covered bodily injury, property damage, or advertising injury.
General liability insurance usually does not cover employee injury. Workers compensation insurance and employers liability coverage are usually needed for employee injury claims.
General liability insurance usually does not cover errors and omissions. Professional liability insurance is typically needed for service-related mistakes or negligence claims.
General liability insurance can cover fire damage to someone else’s property when your business is legally responsible for the covered property damage.
General liability insurance can cover lawsuits involving covered bodily injury, property damage, personal injury, advertising injury, and related legal defense costs.
General liability insurance may cover subcontractor-related claims in some situations, but coverage depends on policy terms, contracts, and subcontractor insurance requirements.
General liability insurance can cover water damage to someone else’s property when your business is legally responsible for the covered damage.
General liability insurance does not cover workers compensation benefits. Workers compensation insurance is separate coverage for work-related employee injury or illness claims.
