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General Liability Insurance

The business liability protection that you need

average rating is 4.7 out of 5, based on 10001 votes, + Happy Clients

Protect Your Business from Liability Claims


General liability insurance (GL), often referred to as business liability insurance, is the coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. The general liability insurance quotes usually include:

  • Bodily injury and property damage liability

  • Personal and advertising injury

  • Medical payments

  • Products completed operations

  • Damage to premises rented to you

Who Needs General Liability Insurance?

It's a Good Idea to Have General Liability Coverage of Your Small Business:

  • Works face-to-face with clients or customers

  • Must have insurance before entering into a contract

  • Has access to a client’s equipment

  • Represents your client’s business

  • Uses third-party locations for your business activities

  • Uses contractors or freelancers

  • Operates without a physical property

  • Is in a partnership or has contracts that require a general liability policy

  • Sells a physical product to customers

Industries That Typically Need General Liability Insurance

  • Retail stores and services

  • Professional services

  • Contractors

  • Auto service and repair

  • Wholesalers and distributors

  • Transportation

  • Recreation

  • Food service

  • Healthcare

What If I’m a Contractor or If I Operate my Business from My Home?

You could still benefit from general liability insurance as a freelancer, contractor, or home business owner because you face many of the same risks as brick-and-mortar businesses. General liability insurance can be important to your small business because:

In a Meeting

Required by Clients

Some companies require that contractors and freelancers have insurance because it protects the company from financial loss due to their actions.

Financial Reports

Financial Protection

Freelancers, contractors, and home business owners can be sued for damaging client property or causing injury. A general liability policy covers related costs.

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Maybe Required by Law

State and federal law requires general liability insurance for independent contractors in certain industries such as construction. Check with your state to see if it is required,

What Does General Liability Insurance Usually Cost for A Small Business?

In 2019, the national average monthly cost for general liability insurance through the General Liability Insurance Program was $51. Remember, this is only an average and isn’t necessarily what you’ll pay. Your rate depends on the specific features of your business. With PeoplesAlly, you get to avoid a lot of broker fees and other unnecessary fees, which can save you up to 20%.

We specialize in offering popular insurance products for the new industry norm given the 2020 pandemic.

Contact us now to talk to a professional.

We Are Insurance Experts

We have over 10,000 satisfied customers and 30+ years of insurance experience. We have seen it all and can get you the best package for your needs.

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Best Value

at Cheapest Rate

We get you the best value for your dollar on all insurance products. No hidden costs and no surprises. 

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No Hassle

3-Minute Quote

We don't hassle you with pushy sales pitches. Fill out our one pager quote sheet in far less time than others.

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Anonymous Quotes

No Spam

We only require some basic info for a generic quote. No need to provide sensitive information and no spam.

Providing People with Protection Everywhere

PeoplesAlly is trusted by thousands of businesses no matter what size. We can help you meet your insurance needs in any industry or line of business.

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There are many kinds of insurance out there, but as an accounting & finance business owner, you have very unique needs. At PeoplesAlly, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with PeoplesAlly, you can purchase a policy, manage it, and submit claims online for ultimate convenience.


“The PeoplesAlly team is extremely knowledgeable and will work hard to find you the best quality and price available. Very professional, no bait and switch, and will give you the bottom line even if it means losing you as a customer. I appreciate honesty rather than sleazy sales people.  

—  Samantha D

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