General              Liability

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Protect your business from liability claims

General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, personal injury, property damage and other perils that can arise from your business operations. 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

Learn how these coverages protect small businesses and how much you’ll want to consider for your unique risk.

General liability insurance for contractors

If you're a contractor, service tech, or sell retail items, you might only want general liability - not a full Business owners policy(BOP). For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you're still exposed to liability risks from the job you perform or item you sell.

You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Cribb Insurance Group. We offer general liability, as well as Blanket Additional Insured Coverage to contractors and other business people who qualify.

General liability insurance cost

In 2018, the average monthly cost for general liability insurance through the Cribb Insurance Group was $36. Remember, this is only an average and isn’t necessarily what you’ll pay. Your rate depends on the specific features of your business.

Discover more about general liability insurance cost, policy rating factors and money-saving tips to help you find the best combination between price and protection for your business. Call us today, or start a quote online.

Get it all in a BOP

General liability, along with other coverages, is available in a Business Owners Policy (BOP) written through the Cribb Insurance Group.

If you need to protect things like personal property used for your business, or commercial buildings such as garages or storage facilities, you might require the additional protections provided in a BOP.

The Most asked questions about General Liability

Is general liability insurance required by law?

No, but failing to carry general liability insurance could result in you having to pay for all the expenses related to a claim against your business. For example, while visiting your office a client slips on a rug and breaks their hip. Without general liability insurance, you could be solely responsible for all the medical bills and legal fees. So, even though it’s not required by law, it should be a priority for your business.

What is a certificate of insurance?

A certificate of insurance (COI) is an official document that lists all coverages and limits on an insurance policy. Essentially, it proves that you have insurance and details your policy coverages and limits.

Does general liability insurance cover theft?

General liability insurance only pays for third-party damages, not yours. You’re considered the “first-party”. The “third-party” is the one that has a claim against you. This means general liability won’t cover your property or equipment against theft or damage.

To protect your property, we offer Business Personal Property coverage as a part of a Business Owners Policy.

Is general liability insurance tax deductible?

Yes. Since general liability premiums are considered “a cost of doing business”, they usually can be written-off at tax time. That said, it’s a good idea to consult a tax professional to make sure.

Does general liability cover professional mistakes?

No. General liability only provides coverage for claims against you by others for their bodily injuries or damage to their property. To protect from claims against you for professional neglect or mistakes, you need to have professional liability insurance.

Does general liability insurance have a deductible?

Yes. You choose the amount of your general liability deductible when you get a quote. A deductible is a fixed out-of-pocket expense you agree to pay before your coverage starts to pay.

Does general Liability insurance have a minimum cost?

Yes and No. Depending on the carrier you choose, Most will have a minimum premium associated with a policy.  This means the regardless of if or when you cancel the policy, the minimum premium is still due to the carrier.

Example:  You purchase a general liability policy with an annual premium of $1200 and a minimum premium of $500 and you cancel the policy after the first month.  You will still owe a total of $500 to the carrier.

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