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General Liability Insurance

Protection for common business accidents

Choose your primary industry to get started:

What is General Liability insurance?

General liability insurance for business can provide financial protection for some of the most common accidents, such as damage to property you don’t own or injuries to non-employees.

What does General Liability insurance cover?

  • Slip-and-fall injuries
  • Property damage
  • Legal fees & defense costs
  • Medical payments
  • Other common business accidents

What does General Liability cost?

Starting at $19/month

Buy online in about 10 minutes, and cancel anytime.

Who needs General Liability protection most?

  • Brick-and-mortar shops & offices
  • Businesses visited by customers or vendors
  • Anyone working on other people’s property
  • Owners who bid on contract jobs
  • Professionals who require licenses and permits

Commercial General Liability insurance can help cover a range of risks for your business

Injuries

Slip-and-fall injuries

A non-employee trips at your business, breaks their leg and files a lawsuit.**

Property Damage

Property damage

You accidentally damage a client’s or customer’s property.

Legal fees

Legal fees & defense costs

You need an attorney to defend your business in a lawsuit after a claim.

Medical payments

Medical payments

Someone (excluding employees) gets injured on premises and asks you to pay for medical expenses.

Libel Slander Defamation

Libel or slander

An employee bad-mouths a client online and the client sues you for libel.

Advertising Harm

Advertising injury

You’re sued for improper image use in your advertising.

How much does General Liability insurance cost?

General liability insurance costs can be as little as $19 monthly for some low-risk businesses.

Several factors influence the price you’ll pay for insurance, including:

  • Your industry.
  • Your business operations.
  • The size of your business.
  • Where you do business.
  • Your business needs and how much coverage you choose.
  • Policy limits.

How do I get General Liability insurance?

Tell us about your business

In about 10 minutes you’ll see the exact price you’ll pay for business general liability and other policies.

Customize your coverage

Adjust your limits and deductibles to pick the right coverage at the right price.

Buy 100% online

Your coverage is effective immediately after payment. And your certificate of insurance is ready at no extra cost.

Who needs General Liability insurance coverage?

Restaurants and food service

Restaurant businesses could get help with medical payments and lawsuit expenses after a customer slip-and-fall. Liquor liability and workers’ comp can offer more coverage.

Construction and contractors

General contractors and other construction professionals are often required to have general commercial liability insurance for professional licenses or to work on some jobs.

Retail and e-commerce

Retail and online business owners can benefit from the protection GL provides for customer injuries. ERGO NEXT policies also include some protection for product liability.

Sports and fitness professionals

Fitness insurance could be required for professional certifications for personal trainers, fitness instructors or yoga teachers. It can also be required to work at a gym.

Janitorial and cleaning businesses

Commercial cleaners and house cleaners can get protection from financial losses if they accidentally break or damage someone’s property while on the job.

Price calculator

Get an estimate of your business insurance cost

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What coverage do you need?

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Businesses like yours typically pay:

$00 - $00/mo
This is the minimum cost of general liability coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.
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© 2026 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.