Did you know most of our readers choose The Hartford for their professional and business insurance needs?

Want to protect against overall business risk? Consider looking into general liability insurance. We know there are a lot of choices out there, so we’ve narrowed the field for you to create a list of good prospective insurers for your individual business needs.

Quick Look – Best General Liability Insurance Coverage

Best General Liability Insurance Companies

Read our reviews for the best general liability insurance providers to learn more about where to get the best commercial coverage.

1. The Hartford

The Hartford services industries including the legal profession, consultants and other professionals, accountants and tax preparers, home inspectors, technology professionals, real estate professionals and others.

get started Call Now securely through The Hartford’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

The Hartford is a leader in casualty and property insurance. It brings more than 200 years of experience in developing and providing insurance products. The company uses a quote-based pricing scheme to offer insurance in 2 main segments: commercial and personal lines. 

Its commercial segment serves over 1 million small businesses. The personal segment offers only nationally-endorsed home and auto insurance through the AARP® Insurance Program. The Hartford sells its products mainly through a network of independent brokers and agents. 

The company is also a 12-time honoree for the world’s most ethical companies according to The Ethisphere Institute. It delivers the name recognition and reputation of an experienced insurance carrier.

Best For
  • Those looking for an experienced insurance provider
  • Multiple coverage options with 1 carrier
Pros
  • More than 200 years of insurance experience
  • Provides online quotes
  • Has a solid financial rating
  • Offers a wide range of commercial insurance products
Cons
  • Pricing is entirely quote-based

2. Liberty Mutual

Liberty Mutual offers full general liability insurance protection for businesses of all stripes, whether you are a small firm or a major multinational corporation. Not only do you get coverage for lawsuits including bodily injury, property damage, personal injury and advertising injury, but you get access to the Data Insure cyber-liability suite of products from Liberty international underwriters. This coverage helps protect you against hacking, data breaches and privacy violations.

get started securely through Liberty Mutual’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

Business owners who are looking for a wide range of coverage options are likely to find everything they need through Liberty Mutual. From worker’s compensation coverage to protections against acts of terrorism, there are very few coverages that Liberty Mutual isn’t able to offer. While you might pay a bit more for your coverage with Liberty Mutual than you would with a smaller insurance provider, you might appreciate the company’s wide range of local branches and easy-to-operate mobile offering.

Best For
  • Any type of company that needs specialized protections
  • Companies that need multiple coverages
  • Companies looking for help customizing their policy
Pros
  • Massive list of coverages and coverage options
  • Top-quality customer service
  • Ability to work with independent agent
Cons
  • Premiums may be more costly

3. Thimble

Thimble provides flexible small business insurance. You can buy liability insurance policies by the month, the day or even by the hour. Even better, you can apply in under 60 seconds. Choose from general liability, professional liability or drone insurance. Thimble got its start as Verifly Drone Insurance, and you can still purchase drone insurance through the Verifly app. 

Thimble is also rolling out event insurance. This is a type of liability coverage for those who are organizing a special event or participating in one as a vendor or exhibitor. It includes coverage for bodily injury and property damage to a 3rd party and coverage for legal fees and damages related to alcohol consumption for BYOB or open bar events. If you’re selling alcohol, you can add retail liquor to your policy. 

get started securely through Thimble Business Insurance’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

It’s not often that you see something new in the insurance space but Thimble has come up with something unique — flexible small business insurance. You can buy liability insurance policies by the month, the day or even by the hour. Even better, you can apply in under 60 seconds. In this Thimble review, we’ll dive into how it works and how it can benefit your business. 

Best For
  • Handymen, landscapers and contractors
  • Self-employed individuals
  • Seasonal business owners
  • Freelancers who do multiple types of work
Pros
  • Flexible general liability and professional liability policy options
  • Fast application process
  • Ability to pause monthly coverage
  • High-quality mobile apps
Cons
  • No 24/7 Customer Support

4. Next

We believe that Next’s simple, straightforward approach is helpful to those who are trying to figure out what needs coverage and how best to handle it. The website is easy to navigate and to understand, and you can find your answers in minutes regardless of the question.

Next insures a wide variety of professions, including architecture and engineering, beauty, commercial maintenance, consulting, fitness, health, home services, marketing, property and therapy. Even if your own profession does not fall under one of these categories, Next can still help you get the coverage you need when you need it. 

get started securely through Next Business Insurance’s website
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

NEXT is a business insurance provider dedicated to helping small business owners find affordable, customized policies that fit the unique risks of their industry. NEXT offers a complete suite of the most common business insurance protections that you might need, and you can apply for a policy entirely online.

Getting insurance through NEXT takes less than 10 minutes — simply choose your business type, answer a few questions about your experience and history and purchase coverage. You can adjust your policies and coverage limits to balance cost and protections with just a few clicks. 

Though NEXT’s 100% online model might not be right for everyone, it can be a strong contender for digital natives in search of affordable insurance. 

Best For
  • Small business owners looking for quick, affordable coverage available online
Pros
  • Apply for a policy in as little as 10 minutes
  • Policies customized to industry type and need
  • Discounts available on bundled policies
Cons
  • No option for paper policy application
  • May need to connect with a representative if your occupation isn’t listed

5. B2Z

B2Z is a digitally-native solution that offers insurance plans explained in plain language, an easy application, digital quotes, and mobile claims. These services and their on-the-go access to Customer Experience advocates and policy documents delivered on a mobile device set B2Z apart from traditional insurance companies.

Get Started securely through B2Z’s website
Disclosure: B2Z is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, lowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

Tired of buying insurance for your small business the old-fashioned way? Forget about waiting around for that insurance agent to call you back. Now, B2Z has launched a full suite of insurance policies, including cyber insurance, workers’ compensation, professional liability and business owner’s policies (BOP). The B2Z platform uses AI to create personalized coverage just for you—all in as little as 5 minutes.

B2Z offers small business insurance in a language everyone understands. Easy applications, mobile claims and digital quotes are just a few of the ways B2Z makes buying insurance for your business fast and easy. Affordable, too.

Best For
  • One-Stop-Shop Coverage
  • Shopping Online
  • Hassle-Free Cancelation for Old Policy
Pros
  • User-friendly online portal
  • Multiple products
  • Digitally-based
  • AI-driven
  • Data sourcing
Cons
  • No phone call needed
  • No brick and mortar
  • Too fast-paced for some

What is General Liability Insurance?

General liability is a type of coverage for businesses that offers protection against claims for which you and your company could otherwise be found directly liable for. This type of insurance usually offers protection against things like bodily injuries or property damage that occur while on your business property or as a result of your product.

What Does General Liability Insurance Cover?

Regardless of your type of business, you likely have a need for general liability insurance. This covers property damage as well as bodily injury and is also referred to as business liability insurance.

Specifically, these policies offer coverage for the following expenses associated with risk:

  • Medical expenses
  • Legal fees
  • Your expenses should you be held liable for damages to your employer’s property
  • Advertising injury
  • Damage to your premises

General liability insurance does not cover:

  • Car accidents
  • Quality of workmanship
  • Punitive damages (in most states)
  • Employee injuries
  • Professional errors
  • Intentional damage

How Much is General Liability Insurance?

According to the U.S. Chamber of Commerce, general liability insurance averages less than $800 annually in most cases, with less than 15% of small businesses paying in excess of $1,000 annually. 

Discounts are available with multiple policies and other individual factors. Don’t be afraid to ask what discounts and bundling are available for your business.

Who Needs General Liability Insurance?

You may be wondering if you need general liability insurance. In a nutshell, it is crucial for contractors and small-business owners to protect themselves and their assets by obtaining coverage. Keep in mind that it only takes one incident to bring about a lawsuit that could irrevocably damage what’s taken you so long to build.

Regardless of your type of business, you likely have a need for this type of coverage. Also, you may find that clients or managers might want you to carry a given amount of coverage as a condition of employment.

How to Compare General Liability Insurance

When you’re buying this type of insurance, make sure you understand the difference between the 2 types of policies: claims-made and occurrence. The former covers a specific period of time, including claims made during that period even if the inciting event didn’t take place then. Occurrence is more strict and does not cover claim events that took place prior to the policy being in force. 

You may also choose to supplement your general policy with other coverage. One type addresses financial-reporting mistakes and omission plus protection against damages made by company officials. Another is employment practices liability coverage, which addresses claims of wrongful termination, discrimination and sexual harassment. 

How Can I Get the Best General Liability Insurance Available?

We’ve pulled together the best providers in the industry for your consideration. Before you do that, though, make sure that you have the right documentation in hand, including all pertinent business information. We’ll help you take care of the rest. 

Frequently Asked Questions

Q

What types of claims are covered by general liability coverage?

1
What types of claims are covered by general liability coverage?
asked
A
1

Usually, general liability insurance provides protection from bodily injury, personal or advertising injury and property damage claims.

answered
Q

What is the difference between standard general liability and commercial general liability?

1
What is the difference between standard general liability and commercial general liability?
asked
A
1

Where general liability insurance protects you against claims brought against your business for causing bodily, personal or advertising and property harm, commercial general liability provides coverage for the physical property and equipment associated with your business.

answered