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GotYourBack

<p>Welcome to your help center.</p>


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<p><strong>Download the NEXT app, or log in to your account to:</strong></p>
<div>
<p style="display: flex; align-items: center;">
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<p style="display: flex; align-items: center;">
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    <span>Update coverage</span>
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    <span>File a claim</span>
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    <span>Edit billing info</span>
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Need a fast certificate of insurance?

General liability is included in most <a href="/business-insurance/">business insurance packages</a> because it covers the risks that many business owners face every day. It is not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

Here are some examples of businesses owners who might need general liability coverage:
<ul>
 	<li>General contractors sometimes need general liability as part of the license requirements in their state.</li>
 	<li>Fitness instructors need coverage for some certifications, and it’s usually required if they work at a gym.</li>
 	<li>Anyone who wants to rent commercial property could be required to have coverage as part of their commercial lease.</li>
</ul>

Who needs General Liability insurance?

You’ll get help paying for expenses after an accident if you’re held responsible for injuring someone or damaging their property. Commercial general liability can also help cover defense costs if you are accused of libel or slander.

Here are more details on what makes general liability insurance so important:

<strong>It helps you get more jobs</strong>

Business liability insurance shows that your business is reliable and trustworthy. It gives clients peace of mind knowing that you will take responsibility for your mistakes.

It could give you a competitive advantage if your potential client has a choice between your business and another business that doesn’t have insurance. Many larger clients also require coverage before they’ll sign a contract with you.

<strong>It lets you run a legal business</strong>
Some states and cities will only give you a business permit if you have active general liability insurance and a certificate of insurance. If your business is certified or accredited by a professional organization, you might also be required to keep your general liability insurance active.

<strong>Your commercial lease might require general liability insurance</strong>
If you plan to lease commercial space, your landlord could also insist on seeing your general liability insurance certificate. Coverage is often required because it shows you will have the financial protection needed to cover expenses related to property damage or injuries related to your business at the leased space.

<strong>It lets you focus on growing your business</strong>

When you have general liability insurance, it gives you peace of mind. You won’t have to worry about what you would do if a client trips and falls or how you would pay for a new vase if you accidentally broke one in a client’s house.

Having business liability insurance means that instead of feeling nervous about what could happen, you can concentrate on growing your business.

Why is General Liability important?

<a href="/general-liability-insurance/cost/">General liability insurance cost</a> is different for each business. It can cost as little as $11 monthly for some businesses.

Several factors influence the price you’ll pay for coverage, including your industry, the size of your business and how much coverage you want to purchase.

<strong>What is your industry?</strong>

The amount of risk that you face in your industry is used to determine your insurance costs. If your business is in an industry that is more prone to accidents and injuries, than you will typically pay more for insurance.

For example, a carpenter who takes saws and other tools to different locations is more likely to have an accident that would be covered by general liability than a tutor who mostly works at a desk with students. That’s why carpenter insurance is usually more expensive than tutor insurance.

<strong>What is the maximum amount of coverage that you need?</strong>

The answer to ‘How much does general liability insurance cost?’ depends on your aggregate limit. This is the maximum amount of insurance that you could claim from your general liability insurance policy. The higher your total coverage limit, the higher your small business liability insurance costs.

<strong>What is your deductible?</strong>

If you have a larger deductible, you’ll pay less for general liability insurance for your small business. At NEXT, we don’t charge a deductible for our general liability insurance policies, so you won’t need to worry about it.