General Liability Insurance

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Frequently asked questions about general liability

General liability is one of the most common commercial insurance policies. However, several unique factors are considered for each business. Below, we’ve listed some of the most frequently asked questions and general liability facts. Have additional questions? Contact your Insureon agent for more details and guidance.

How to buy general liability insurance with Insureon

How quickly can I get insurance coverage with Insureon?

Our online application for general liability insurance takes about 15 minutes to complete. In most cases, we’ll deliver quotes as soon as you finish the application. Once you purchase a policy we can email you a certificate of insurance, which is the formal proof-of-insurance document you need to show when you sign certain contracts or apply for professional licenses.

How does Insureon’s general liability insurance application work?

The general liability insurance application requires some basic information about your business, including where it’s located, number of employees, and estimated revenue for the upcoming year. It will take you approximately 15 minutes to complete. When you're finished, you'll receive quotes from multiple carriers. Look them over and pick the one that works best for you. A certified Insureon insurance agent is available to assist you throughout the process.

How do I get a certificate of liability insurance?

Our certificates of liability insurance are digital. We can email you one as soon as your policy is activated. You can also access your certificate online by logging into your Insureon account.

What types of businesses does Insureon offer general liability insurance to?

Insureon specializes in small business insurance for numerous industries. Our insurance specialists have helped more than 200,000 businesses, including:

General liability insurance requirements and coverages

Is general liability insurance required by law?

You are not required by law to purchase general liability insurance. However, many of the people you do business with will likely have general liability insurance requirements written into contracts. That means you may need this policy if you want to sign a commercial lease or a client contract with these requirements. Proof of general liability coverage is also required to apply for certain professional licenses.

How much general liability insurance do I need?

The amount of general liability insurance you need depends on factors such as the type and size of your business, number of employees, and the type of customers you typically work with. However, many small businesses opt for the standard $1 million/$2 million small business policy. This means the policy will pay up to $1 million to cover any one claim, with a $2 million limit for the lifetime of the policy, which is typically one year.

Can I add non-owned auto insurance to my policy?

Consider purchasing non-owned auto insurance if your employees regularly drive their personal vehicles for business purposes, such as running work errands or traveling to meet clients. This coverage can typically be added to your general liability insurance policy.

Does general liability insurance cover independent contractors?

General liability insurance covers you and your employees, but typically does not include independent contractor insurance coverage. You can either add contractors to your policy on a temporary basis as an additional insured, or require them to purchase their own general liability insurance for contractors policy.

What coverage does general liability insurance provide for social media risks?

Your general liability policy includes what's known as "advertising injury" coverage. It provides protection for lawsuits related to libel, slander, and invasion of privacy, as well as copyright or brand infringement. That means if you are sued for writing something negative about a competitor on social media, you're covered.

General liability policy changes and claims

What happens if I need to buy more insurance later?

It’s easy to add insurance at a later date. Your insurance agent can adjust the coverage amount on an existing policy, and also provide assistance if you need to purchase additional policies.

What happens if I cancel my policy?

If you cancel your policy early you run the risk of paying more for coverage down the road. Insurance companies typically charge higher rates to businesses that start and stop coverage. You also leave your business exposed to potential risk if you cancel your coverage.

How do I make a general liability insurance claim?

To make a general liability claim, simply call your insurance provider. Your agent will ask you to provide a description of the incident and basic information such as your name, the business name, and your policy number. Your insurance agent can guide you through the process and provide answers to any additional questions.
Learn more about common claims and lawsuit examples.

Compare general liability insurance with other policies

General liability vs. professional liability insurance

General liability offers protection if a third party sues you over a physical injury, property damage, or an advertising injury (libel/slander). Professional liability insurance covers you if you are sued by a client who claims you made a professional mistake that resulted in financial loss. Almost every business owner could benefit from a general liability policy. Your type of business will determine if you need a professional liability policy. Read more about professional liability.

General liability vs. workers’ compensation insurance

General liability and workers’ compensation insurance can both pay for medical expenses related to injuries at your business. However, general liability does not cover employee injuries. To extend this protection to your employees, you will need to purchase workers' comp insurance, which covers the costs associated with employee injuries or illnesses. Depending on which state your business is located in, you may be legally required to purchase workers’ comp coverage.

General liability vs. business owner’s policy

A business owner's policy, also known as a BOP, bundles general liability coverage with commercial property insurance, which can pay to repair or replace business property that is damaged, stolen, or destroyed. A BOP typically costs less than if you purchased each policy separately. Read more about BOP insurance.

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