general liability (gl) insurance, often referred to as commercial liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury, and others that may arise from your commercial operations. general liability insurance quotes generally include:
Learn how these coverages protect small businesses and how much you’ll want to consider for your unique risk.
who needs general liability insurance?
General liability insurance is often combined with property insurance in a business owner’s policy (bop), but is also available to many contractors as stand-alone coverage through the progressive business advantage® program.
As a contractor or small business owner, you need some form of commercial liability insurance to safeguard your livelihood.
A single accident could result in a lawsuit you may not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.
Some employers or clients may also require you to assume certain general responsibility before you can work for them.
general liability insurance for contractors
If you’re a contractor, you may only want general liability, not a full blow. For example, he may not own any commercial buildings that require property insurance or need to cover payroll or other operating expenses. however, he is still exposed to liability risks for his work.
You could be eligible for general liability insurance, without the extra coverages in a jiffy, through the Progressive Advantage Business Program. We offer general liability as well as additional general insured coverage to qualified contractors.
General Additional Insured coverage extends your existing liability insurance to other entities as required by some employer contracts.
cost of general liability insurance
In 2021, the national median cost for general liability insurance through Progressive was $48. the average price was $65.
Most customers find that their monthly premium is closer to the median price because expensive outliers often drive up the average cost. your rate will depend on the specific characteristics of your business.
Find out more about the cost of general liability insurance, policy qualifying factors, and money-saving tips to help you find the best combination of price and protection for your business.
Call us today or start an online quote.
get it all in one bop
general liability, along with other coverages, is available in written bops through the commercial progressive benefits program.
If you need to protect things like personal property used for your business or commercial buildings like garages or storage facilities, you may need the additional protections provided in a bop.
small business general liability insurance
common questions
more information
- cost of general liability insurance
- general liability insurance coverage
- general liability vs. professional liability
- Benefits of Commercial General Liability Insurance
- what is the difference between a claim made and a claim? form of coverage of occurrence?
