General Liability Insurance
In today’s business world, risk is everywhere. Whether you run a small service business or a growing contracting company, one accident, lawsuit, or claim can jeopardize your reputation and bottom line. That’s where general liability insurance comes in.
At Executive Choice Insurance, we help protect businesses like yours with comprehensive general liability coverage, giving you peace of mind so you can focus on what matters most, running and growing your business.
What Is General Liability Insurance?
General liability insurance is a foundational type of business insurance that protects your company from third-party claims of bodily injury, property damage, and personal or advertising injury.
If someone is injured at your place of business, or if you accidentally damage someone else’s property while performing your services, general liability insurance helps cover the related costs. Without it, your business would have to pay for medical expenses, legal fees, repairs, and settlements out of pocket.
Why Businesses Need General Liability Coverage
very business, large or small, faces risk. Whether you own a contracting company, retail shop, cleaning service, or consulting firm, accidents can happen at any time.
Here’s why general liability insurance is essential:
Protection from Lawsuits
One lawsuit, even if you’re not at fault, can lead to thousands of dollars in legal fees.
Client
Contracts
Many clients require proof of general liability insurance before signing a contract or allowing you to work on-site.
Reputation Management
Insurance helps you handle claims smoothly, showing clients and partners that you’re responsible and professional.
Peace
of Mind
With coverage in place, you can focus on your work without constantly worrying about “what if” scenarios.
What Does General Liability Insurance Cover?
Bodily Injury
Covers medical expenses, legal costs, and settlements if a third party (like a client, vendor, or visitor) is injured at your place of business or because of your operations. For example, if a customer slips and falls in your store or a contractor’s ladder falls and injures someone at a job site, bodily injury coverage helps pay for their care.
Property Damage
Protects against damage you or your employees cause to someone else’s property. This could be breaking a client’s window during a renovation or damaging office equipment while making a delivery.
Personal and Advertising Injury
Covers claims of libel, slander, copyright infringement, or misleading advertising. If someone accuses your business of damaging their reputation or using their intellectual property without permission, this coverage helps with legal defense and settlements.
Medical Payments
Provides immediate medical expense coverage for minor injuries, regardless of fault. This helps cover small claims quickly, reducing the risk of lawsuits.
Legal Defense Costs
Pays for legal fees, court costs, and attorney expenses, even if a claim against your business is groundless or frivolous. Without this coverage, legal defense alone can overwhelm a small business’s finances.
How Much Does General Liability Insurance Cost?
The cost of general liability insurance varies based on factors such as:
- Type of business and industry
- Number of employees
- Annual revenue
- Claims history
- Coverage limits and deductibles
- Location and service area
On average, small businesses pay between $400 and $1,500 per year for general liability insurance. Contractors and higher-risk industries may pay more, while businesses with a clean claims history and safety protocols may qualify for discounts.
At Executive Choice Insurance, we shop multiple carriers to help you find the best coverage at the most competitive rate, without sacrificing protection.
Certificate of Insurance (COI) for General Liability
A Certificate of Insurance (COI) is a document that proves you have active general liability coverage. Many clients, landlords, and partners will request a COI before allowing you to start work.
Executive Choice Insurance makes the COI process fast and simple. We deliver COIs quickly, often the same business day, so you can meet client requirements, secure jobs, and avoid project delays.
Why Choose Executive Choice Insurance for Your Liability Coverage
When it comes to protecting your business, you need more than just a policy, you need a partner.
Industry Expertise
We understand the unique risks and challenges across industries.
Tailored Coverage
We customize policies to fit your specific operations, no one-size-fits-all solutions.
Multiple
Carriers
We work with top-rated insurance companies to find you the best value.
Fast, Responsive Service
Need a quote, a COI, or help with a claim? We respond quickly and clearly.
Long-Term Partnership
As your business grows, we help adjust your coverage to match your evolving needs.
FAQs About General Liability Insurance
Nearly every business benefits from general liability coverage, including contractors, consultants, retailers, service providers, and home-based businesses.
No, it’s typically not legally required, but many clients, landlords, and licensing boards require it as part of doing business.
It doesn’t cover employee injuries (that’s what workers’ compensation is for), professional mistakes (covered by E&O insurance), or intentional damage.
Yes! Many businesses save money by bundling general liability with property insurance in a Business Owner’s Policy (BOP).
With Executive Choice Insurance, you can often get same-day coverage and a COI so you can start work immediately.
Get a Free General Liability Insurance Quote Today
Don’t let an unexpected accident or claim threaten your business. Contact Executive Choice Insurance today for a free, no-obligation quote, and let us help you build a general liability policy that protects your company, your reputation, and your future.
Contact Executive Choice Insurance today and empower your business with the right protection. When you’re covered, you’re unstoppable.
Coverage availability, limits, costs, and legal requirements may vary by state, industry, insurer, and project type. This content is for informational purposes only and does not constitute legal or insurance advice. Please consult with Executive Choice Insurance to discuss your specific business needs and receive tailored guidance.