General Liability Insurance
What is business liability insurance?
A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. 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 does general liability insurance cost?
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 liability insurance.
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 liability insurance coverage?
Each business is different, so make sure you're covered 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.
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?
Being properly insured is the best way to protect your company. We're here to help. 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
Do you need other business liability insurance coverage? GEICO can help.
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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.
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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.
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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.
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Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or if a laptop with confidential information on it is stolen.
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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
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Protects healthcare professionals against claims of injury and medical negligence.
Need to speak with us?
You can reach us at (800) 841-1621.
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Mon – Fri8:00 AM – 9:00 PM (ET)
General Liability Insurance: Frequently Asked Questions
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How can I manage my policy?
The Geico Insurance Agency makes it easy for you to speak directly with an insurance professional who can help you. -
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.
For online quotes:
GEICO Insurance Agency, LLC has partnered with Hiscox Insurance to provide business insurance products. When you click on "START QUOTE" and "Start your quote now", you will be taken to the Hiscox website, which is not owned or controlled by GEICO.
GEICO has no control over the privacy practices of Hiscox and assumes no responsibility in connection with your use of their website. Any information that you directly provide to Hiscox is subject to the privacy policy posted on their website. All business products offered are written on an admitted basis (Hiscox Insurance Co., Inc.) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.
Business Insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. We can help you secure business insurance in all states except Hawaii.
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.