General Liability Insurance

General Liability (GL) insurance is the foundation of every solid business insurance program. It protects you from third-party claims of bodily injury, property damage, and advertising injury, the everyday risks that can turn a single incident into a six-figure lawsuit.

Protect Your Business
From the Unexpected.

  • Covers third-party bodily injury and property damage claims
  • Protects against personal and advertising injury lawsuits
  • Covers legal defense costs — even if you're not at fault
  • Required by most clients, landlords, and licensing boards
  • Available as a standalone policy or bundled in a BOP
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Bodily Injury
Covers medical costs and legal fees if a customer or visitor is injured at your business location or job site.
Covered
Property Damage
Covers costs if your business operations accidentally damage someone else's property or belongings.
Covered
Advertising Injury
Protects against claims of slander, libel, copyright infringement, or false advertising in your marketing.
Covered
Legal Defense Costs
Covers attorney fees, court costs, and settlements — even when the claim against you turns out to be groundless.
Covered
GL by the Numbers

The Risk Is Real.
The Data Proves It.

General Liability isn't optional, it's the difference between a business that survives a lawsuit and one that doesn't.

$75K
Average Cost of a Slip-and-Fall Lawsuit
A single customer injury on your premises can result in legal and settlement costs exceeding $75,000, enough to close many small businesses without coverage.
36%
of Small Businesses Face a Claim Each Year
Over a third of small businesses experience a liability or property event serious enough to generate a claim in any given year, according to industry data.
$54K
Average Cost to Defend a Reputational Harm Suit
Advertising injury claims, including libel, slander, and copyright infringement, average over $54,000 in defense costs alone before any settlement.
75%
of Clients Require Proof of GL Before Contracting
Three in four businesses and government entities require a Certificate of Insurance showing active GL coverage before signing any vendor or contractor agreement.
$1M
Standard Per-Occurrence Limit
Most GL policies start at $1M per occurrence / $2M aggregate — the baseline required by the majority of commercial leases and client contracts nationwide.
$500
Average Annual Premium for a Small Business
A typical GL policy for a low-risk small business costs roughly $500/year, less than $1.50 per day for coverage that can absorb a six-figure claim.
5 minAverage GL quote time
$500Avg. annual GL premium
$1M+Standard per-occurrence coverage limit
50States — available nationwide

Sources: Insurance Information Institute (III), Insureon 2024, SBA Office of Advocacy, ISO ClaimSearch

Who Needs GL

If You Run a Business,
You Need GL.

General Liability is the most universally required insurance policy in business. Whether you're a solo contractor, a retail shop owner, or a growing agency, if you interact with clients, work on-site, or market your services, GL is non-negotiable. Many landlords, clients, and licensing boards won't work with you without it.

Contractors & Tradespeople
Required on virtually every job site. Covers accidental damage to client property or third-party injuries during work.
Often Required
Retail Stores
Customer foot traffic creates constant slip-and-fall and product liability exposure that GL directly covers.
Often Required
Consultants & Agencies
Marketing, IT, and business consultants face advertising injury and reputational harm claims that GL shields against.
Recommended
Restaurants & Food Service
From customer injuries to food-related illness claims, restaurants face some of the highest GL exposure of any industry.
Often Required
Technology & IT
Tech firms visiting client sites or deploying equipment face third-party property damage and bodily injury risks that GL covers.
Recommended
Real Estate & Property Management
Property managers and agents face liability for incidents occurring during showings, open houses, or managed properties.
Often Required
Healthcare & Wellness
Gyms, spas, and wellness centers carry inherent physical injury risk. GL covers client injuries that occur on your premises.
Recommended
Auto Repair & Service
Handling expensive customer vehicles and operating near heavy equipment makes GL essential for auto shops and dealerships.
Often Required

Not sure if GL is right for your business?

If you interact with clients, work at customer locations, or sign commercial leases — you need General Liability. Get your GL quote in 5 minutes →  |  Insurance agent? Register on the platform →

Get Covered in Minutes

Your GL Quote
Is 3 Steps Away

No lengthy forms. No waiting for a callback. Get a real General Liability quote from a top-rated carrier — right now.

1

Tell Us About Your Business

Share your industry, location, revenue, and number of employees. The form takes under 2 minutes to complete.

2

Get Matched to the Right Carrier

Our platform instantly compares GL options from top-rated carriers and surfaces the best coverage match for your risk class.

3

Bind & Download Your Certificate

Review your quote, bind the policy online, and receive your Certificate of Insurance (COI) the same day — ready to share with clients.

Start Your Free
GL Quote

Get a real General Liability quote in minutes — no broker, no paperwork, no commitment.

  • Instant quotes from biBerk, Hiscox, Counterpart & more
  • $1M / $2M aggregate limits available from day one
  • Same-day COI on bind — share with clients instantly
  • Available nationwide — all 50 states
  • Standalone GL or bundled as a BOP — your choice
Get My GL Quote

No spam. No obligations. Coverage in minutes.

For Insurance Agents

Quote GL Faster.
Earn More.

General Liability is the most requested commercial line. Join Cennairus and quote GL for your clients in minutes — with competitive commissions, real-time carrier access, and zero paperwork overhead.

Instant GL Quotes

Real-time quotes from multiple GL carriers without switching platforms or portals.

Competitive Commissions

Earn industry-leading commissions on every GL policy bound through Cennairus.

One Dashboard

Manage GL renewals, endorsements, and COI requests for all clients from a single place.

Multi-Line Access

GL, BOP, Cyber, Workers' Comp — quote everything your clients need from one platform.

Agent Registration

Start Quoting GL
in Under 24 Hours

Register as a Cennairus agency partner and get immediate access to GL quoting, carrier appointments, and the full commercial lines suite.

  • Free registration — no upfront fees or minimums
  • Access to GL, BOP, Cyber, Workers' Comp & more
  • Top carriers: biBerk, Hiscox, Savata, Counterpart
  • Approved and quoting in as little as 24 hours
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