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Commercial General Liability Insurance 

The business liability protection you need.

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, property damage, personal injury and others 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

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Who Needs General Liability Insurance?

It's a Good Idea to Have General Liability Coverage if 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 I Operate my Business out of 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:

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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 Cost for Small Businesses?

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%.

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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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We Insure Everyone

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.  

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