General Liability Insurance

General Liability Insurance

I want to get a general liability quote:

Continue previous quote.

Or, call (800) 841-1621.

Need a general liability insurance quote?

Existing policyholder?

Access your policy

What is general liability insurance coverage?

A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. Get a business liability insurance policy for protection from bodily injuries, medical payments, advertising injuries, and more.

GEICO can help small business owners and contractors get the coverage they need with a general liability insurance quote.

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
  • Location
  • Number of employees

GEICO can help you get an insurance policy with the right coverage at a great price. Start your general liability insurance quote now.

Common terms to know when shopping for general liability insurance coverage.

Property Damage

Protects you from claims costs if you damage someone else's property.

Medical Payments

Payments for accidents that occur on your premises or because of your operations, such as a customer slipping on a wet floor. This is regardless of who is at fault.

Personal & Advertising Injury

If you're sued for libel and slander, this could provide coverage for those claims.

Who needs general liability insurance coverage?

A small business owner signing for a package that is being delivered by a courier service. The image is used to showcase the importance of general liability insurance to safeguard businesses from claims that may result from normal business operations.

Each business is different, so make sure you're covered with liability insurance for your needs. Examples of businesses that use general liability insurance are:

  • Artisan contractors
  • Small business owners
  • Landscaping companies
  • IT contractors
  • Real estate agents
  • Consulting
  • Marketing
  • Janitorial services
  • And more

Check out our insurance for small business page to learn about small business coverages. If you still need guidance on whether general liability insurance is right for you, we're here to help. Contact our licensed agents with any of your concerns or questions.

General Liability Insurance for Contractors

Many contractors have business owners policies (BOP), but your business may not need all of the coverages that come with a BOP. If you don't require property insurance and aren't responsible for covering payroll or operating expenses, for instance, general liability insurance could be a better solution. These policies save you money by providing the risk protection you need without overwhelming you with the coverages you don't.

An electrician and small business owner standing proudly, representing, how general liability could provide business owners with peace of mind in knowing that their business is protected from covered claims that may occur during normal business operations.

Does your company need a different type of liability insurance coverage?

Being properly insured with business liability insurance is the best way to protect your company. We're here to help. Here are a few examples of companies that may be better suited to our other business insurance products

  • 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.

  • Business Owners Policy (BOP)

    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.

    Get a Quote

  • Professional Liability Insurance

    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.

    Get a Quote

  • Commercial Auto Insurance

    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.

    Get a Quote

  • Cyber Liability Insurance

    Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or stolen personal data.

    Get a Quote

  • Workers' Compensation Insurance

    This helps provide financial protection for job-related:

    • Accidents
    • Illnesses

    Get a Quote

  • Medical Malpractice Insurance

    Protection against claims of negligence of mistakes which cause bodily harm to another and is usually carried by:

    • Physicians
    • Nurses
    • Physical Therapists
    • Other medical professional

    Get a Quote

  • Wellness and Fitness Insurance

    Protects healthcare professionals against claims of injury and medical negligence.

    Get a Quote

Need to speak with us about general liability insurance coverage?

You can reach us at (800) 841-1621.

  • Mon – Fri
    8:00 AM – 9:00 PM (ET)
  • Sat
    9:00 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 6 smart tips 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. Learn more about what insurance your business needs.
  • Who is insured on a general liability policy?
    Those insured on a general liability policy typically includes the policyholder (usually a business or individual), employees of the policyholder while acting within their job duties, and sometimes even volunteers or subcontractors named in the policy. The specifics can vary depending on the policy's terms and conditions, but it generally covers those directly associated with the insured entity.
  • Is general liability insurance tax deductible?
    Yes, in many cases, general liability insurance premiums can be tax-deductible as they are considered a legitimate business expense. However, tax regulations can vary, so it's best to speak with a tax professional to be sure you're eligible.

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.

For online quotes:

When you click on "START QUOTE" and "Start your quote now", we gather some pieces of information and you may be taken to the website of one of the insurance companies with which GEICO Insurance Agency, LLC works, which website is not owned or controlled by GEICO. Each insurer has sole financial responsibility for its own products.

GEICO has no control over the privacy practices of these insurance companies and assumes no responsibility in connection with your use of their websites. Any information that you directly provide to one of these insurance companies is subject to the privacy policy posted on that insurer’s website. All business products offered are written on an admitted basis.

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.