General Liability Insurance
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General liability insurance application

When filling out a commercial general liability insurance application, you will need to provide basic information about your business, such as your revenue. 

What information is needed to apply for commercial general liability insurance?

Small business owners need the following information when they apply to compare general liability insurance quotes from Insureon's carrier partners:

  • Business location
  • Business name
  • Business partners
  • When the business began under its current ownership
  • Number of employees
  • An estimate of your business's revenue for the upcoming year
  • Basic contact information for yourself and the company
  • Number of years you've worked in the industry
  • Details about business operations and occupational hazards (handling dangerous chemicals, performing onsite installations for clients, etc.)
  • Insurance history and prior claims
  • Coverage amount (options typically range from $300,000 to $2,000,000 for small businesses)

For the coverage amount, make sure to check your commercial lease, if applicable. Some landlords require you to carry a certain amount of liability coverage.

How much does general liability insurance cost?

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General liability insurance costs an average of $42 per month. Your cost is based on a few factors, including:

  • Amount of coverage
  • Industry and risk factors
  • Location
  • Number of employees
  • Claims history

What you will receive after your general liability insurance application is submitted

After you complete a general liability insurance application with Insureon, you will receive:

Insurance quotes. Quotes are estimates of how much your insurance premiums will cost each year and the amount of coverage the insurance company offers. A quote also summarizes the type of coverage your general liability policy offers (bodily injuries, third-party property damage, product liability, etc.) and its endorsements (i.e., add-on coverages that aren’t part of the standard general liability policy form).

The insurance policy. If you decide to move forward and purchase an insurance policy, you will finalize the agreement with an Insureon agent and receive your policy documents. An insurance policy is a 50- to 100-page document that defines what your insurance company will pay for. Your policy sets the coverage limits, deductible, premium, and other insurance details.

Certificate of liability insurance. An insurance certificate is your proof of insurance. It summarizes your policy’s coverage and other key details, including your insurance provider and the policy term. Clients, business partners, and landlords may require this certificate before you sign a contract or lease. Sometimes they need to file a copy of your certificate with their own insurance providers.

Apply for general liability insurance online with Insureon

Now that you know what to expect from the application process, apply online for free general liability quotes from top-rated insurance companies. Most businesses can get insured within 24 hours and receive proof of coverage immediately.

Updated: July 27, 2022
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