General Liability

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What is General Liability?

Protecting Your Business Needs

General liability's insurance covers a business's financial need claims if a customer or somebody got hurt on your property for property damages. This doesn't cover your employees property damages or injuries.

How InsureOnline.com Helps You

InsureOnline.com can offer you price ranges for general liability insurance dependent on your situation.

Customize Your Coverages

InsureOnline.com can also offer you price ranges dependent on your situation and match you to the carrier that can give you what you need.

Who is This Used For?

General Liability works with businesses that engages in commerce of working with customers in the aspects of selling or producing or engaging in activity that produces a profit. Here are some common businesses that commonly utilize this insurance.

Photographers

Engineers

Marketing

Florists

Food Trucks

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and More

Lawsuits from claims

Medical Injury

Damage to Other Properties

Reputation Damage

Electronic Data Liability

Defense Costs

What is Covered?

These are some of the standard coverages that general liability would cover. Start your journey here and we can answer any of your questions regarding any of the coverages available for your business.

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Factors That Can Potentially
Impact Your Rate

Years in Business

Businesses that have been around longer looked at as a lower risk which can be a positive look when it comes to insurance companies to save your money versus new businesses that don't have much experience.

Coverage Limits

Your insurance rates rely heavily on your level of coverage. Having more coverage for your policy directly affects how much your rates are.

Claims History

Data shows that businesses with a lot of claims is at higher risk versus a businesses who has lower amount of claims.

Location

Where your business resides plays a significant role in calculating your insurance premiums. If you reside in an urban area with heavy traffic and a high crime rate, or a place with more natural disasters you’ll likely pay more for insurance than in a rural area with less natural disasaters and lower crime rates.

Business Size and Type

Larger companies need more coverage versus smaller companies. Also with a larger amount of employees means interactions of possible risk of liability claims. Also insurance companies look at if your business type of commerce involves work that has higher risk of getting liability claims for instances job types like healthcare.

Management Practices

Having a planned out risk management practices highlights your company in a positive light. Insurance carriers may provide lower insurance premiums and discounts to see that you are safeguarding your business from potential risk and have planned mitigation strategy through employee training and more types of practices and documentations of different protocols.

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New To General Liability Insurance?
Here is What to Expect

Do I Need General Liability Insurance?

No, but it is good to get broad protection to cover your business's financials from a any accidents regarding clients or people on your premises. If they were to get hurt you would have to pay for claims that could've been covered for accidents that can normally happen.

Better to have coverage than not.

Where You Can
Save

Here are some of the ways to save when getting general liability insurance:

Having a high deductible
Combining your business coverages
Good credit history
Business review annually
Pay more upfront
and more

How Much is General Liability?

This is dependent on many factors to the size of your business to the industry you are in. For example a small business can maybe expect to pay what is average to be around $30 a month.

Some businesses if you're low risk can go down to $11 a month this depends on some rating factors that happen when a policy rate is calculated.

Our licensed insurance agents will discuss available options and discounts during your general liability quote.

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General Liability FAQ

How do I file a general liability claim?

The first steps to filing a claim for your general liability is:

Look to your insurance carrier's website or reach out to your insurance agent as soon as possible.
Collect all the details like your name, contact info, policy number, and description of the claim.
Ask any questions to your agent and document everything.

Is theft covered in the general liability insurance?

No, general liability only covers third party losses this would be considered personal loss versus a loss happening from something your business caused.

What is the difference between third party damage and first party damage?

General liability covers more physical third-party liabilities. For example, if your business damages another person's property or injures a customer.

If damage is caused by your business's first party like for example employee injuries or sickness, you self damaging your property. This is not covered by general liability insurance.

Availability in my state?

InsureOnline.com offers general liability to Illinois, Indiana, Iowa states.

We can still assist you even if we aren't in your state, contact us at this number here (844)358-5605 or today!

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Protecting Customers Since 1980

Read what customers are saying about our service.

The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again 😊

Maria T.

Crystal Thomas was AMAZING… She came in and gave me a quote that had me speechless. Glad I stayed with this company!!!

Chloe G.

The service was top tier. Nick was very helpful and informative. Wish everyone had great customers service like he did. Thank you again

Jacobi D.

I spoke with Crystal Thomas today and I was very very pleased with the service she provided. She needs a raise at this point. Loved the experience and went above and beyond to help with further questions that had nothing to do with the point of the call.

Jerri B.

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