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Business Liability Insurance Quote
General liability and BOP options for small businesses… fast certificates, flexible limits, and multiple carriers compared.
Table of contents
Overview
What business liability covers
General liability responds to third-party bodily injury, property damage, and personal or advertising injury… the backbone for contractors, retailers, offices, and service pros.
Curious how carriers weigh risk and pricing? learn more.
GL vs BOP
A Business Owners Policy bundles liability with business property and loss-of-income… often the best value when you also need contents or equipment protection.
Want a checklist of info to gather before quoting? see details.
Fast certificates of insurance
Need a COI for a job or lease? We issue certificates quickly and can add Additional Insured or Waiver of Subrogation endorsements when contracts require them.
Questions about proof docs? for more info.
Basics & eligibility
What is business general liability insurance?
It protects your business from third-party injury, property damage, and personal or advertising injury claims… learn more.
Who needs a business liability policy?
Contractors, retailers, professional services, home-based businesses, and anyone signing leases or vendor agreements benefit from GL coverage.
Is a BOP the same as GL?
No… a BOP includes GL plus business property and business income, often at a discount.
Can new businesses get coverage?
Yes… startups can bind GL with proper operations details and estimated sales or payroll.
How fast can I start a policy?
Often same day with e-sign and payment… Get details.
Coverage & limits
What limits are common for small businesses?
$1M per occurrence and $2M aggregate is a common starting point; contracts may require higher limits.
Does GL cover products I sell?
Yes… products and completed operations are standard parts of GL, subject to policy terms.
Is professional liability included?
No… E&O is separate for advice-based work; we can add it alongside GL… for more info.
Do I need cyber coverage?
If you take payments or store customer data, yes… cyber can be added as a stand-alone or endorsement.
What about commercial auto or hired and non-owned?
GL excludes auto liability; you’ll want commercial auto or HNOA for employee errands… see details.
Endorsements & contracts
Can you add an Additional Insured endorsement?
Yes… we routinely add AI endorsements for landlords, GCs, and clients per contract terms.
What is a Waiver of Subrogation?
It prevents the insurer from recovering against a party after paying a claim… often required by contracts.
Do you provide primary and non-contributory wording?
Available by endorsement when contracts specify it; we’ll match the clause language.
How fast can I get a certificate of insurance?
Usually same day during business hours… learn more.
Can I schedule multiple certificate holders?
Yes… we can issue recurring COIs and keep your holder list on file.
Pricing & underwriting
What drives the price of GL?
Industry class, sales or payroll, location, prior losses, and contract requirements are core rating inputs… for more info.
Can I pay monthly?
Yes… installment plans are common; paid-in-full can save fees.
Will claims history hurt my quote?
Losses can impact pricing; good risk controls and higher deductibles may offset some of the effect.
Do you quote multiple carriers?
Yes… we compare several markets to fit your operations and contract needs… Get details.
Can I start with GL and add a BOP later?
Absolutely… we can convert or rewrite as your property or income needs grow.
Claims & risk management
How are slip-and-fall claims handled?
Document the incident, gather witness info, and notify us promptly; the carrier will investigate and defend.
Does GL cover subcontractor work?
Typically yes for your liability exposure, but require your subs to carry their own GL and provide COIs… learn more.
Are punitive damages covered?
Often excluded by state law or policy; we’ll review wording specific to your jurisdiction.
Can I add tools and equipment coverage?
Yes… inland marine or contractors equipment covers tools and gear on the move.
Is product recall included?
Usually not… recall is a separate coverage that can be added when available.
Policy admin & billing
Can I change my limits mid-term?
Yes, subject to underwriting… endorsements can increase limits to meet new contracts.
How do audits work on a GL policy?
Annual audits true-up sales or payroll against estimates… keep records organized for smooth reviews.
Do you offer automatic renewals?
Yes… we review terms, remarket if needed, and renew so certificates stay uninterrupted.
Can I add or remove certificate holders online?
We handle updates quickly… send details and we’ll issue revised COIs the same day.
How do I report a claim?
Call us first for guidance… then we file with the carrier and track the claim to resolution.
Can you coordinate insurance for multiple locations?
Yes… we schedule each location and adjust limits or endorsements as your footprint grows.
Get your business liability quote
We compare carriers, match contract requirements, and issue certificates fast.
Quick comparisons
GL vs BOP
GL covers liability… BOP adds property and business income for a bundled value.
Occurrence vs Claims-Made
Occurrence responds by event date… claims-made responds by report date and needs tail coverage.
Contractor vs Retail
Different class codes, rating bases, and endorsement needs… we place you accordingly.
Business liability quotes made simple… coverage that fits your contracts and cash flow
Whether you are a contractor bidding new projects, a storefront with walk-in traffic, or a professional service working under tight leases, the right liability policy protects your business and unlocks jobs. We compare markets that fit your class code, then tailor limits, deductibles, and endorsements for Additional Insured, Waiver of Subrogation, and primary non-contributory wording. You will know what is covered, what is excluded, and how to request certificates quickly so work never stalls.
Want to prepare before quoting? Use our handy quote checklist to gather ownership details, sales or payroll estimates, and location info. If you like to understand how insurers weigh risk, our short comparison guide explains rating inputs and why shopping more than one carrier matters. Need to show proof to a landlord or GC? Review what’s displayed on proof documents here… see details. When you are ready, you can Get a quote online or get more info with a quick call.
Last Updated on by Shawn Christie