General Liability Insurance for Your Business

Bundle two or more of our policies and save up to 10%

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My business…

Select all that apply to find the right coverage for you.

Provides service or advice

Expertise, legal, or creative professional work.

Owns or rents a building

Physical commercial space we operate from.

Has one or more employees

Including W2 staff or the business owner.

Has business equipment

Laptops, furniture, tools, inventory, or gear.

Stores sensitive data

Credit cards, SSNs, or health records.

None of these apply

I just need baseline protection.

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Recommended for Your Business

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General Liability

Can help cover third-party bodily injury and property damage claims — the foundation most businesses consider before anything else.

Professional Liability (E&O)

Can help protect you if a client claims your advice, design, or services caused them a financial loss.

Commercial Property

Can help cover your physical location — building, fixtures, and improvements — against fire, theft, or damage.

Business Owner's Policy

Bundles General Liability and Commercial Property into one cost-effective policy — ideal if you have a physical location.

Workers' Comp

Can help cover medical costs and lost wages for employees injured on the job — required in most states if you have staff.

Cyber Liability

Can help respond when sensitive data is breached, covering costs like notification, legal fees, and regulatory fines.

Business Personal Property

Can help cover the equipment, tools, and furnishings your business owns — from laptops and inventory to specialized gear — against theft, fire, or damage at your location.

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What is General Liability insurance?

General liability business insurance offers financial protection for common accidents in your business, covering bodily injury to non-employees, property damage, reputational harm, false advertising, and copyright infringement. It is a frequently purchased type of insurance by small business owners due to its broad protection. This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance.”

General Liability can help cover

Slip-and-fall injuries

Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.^**

Property damage

You accidentally damage a client or customer’s property.

Legal fees & defense costs

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

Medical payments

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

Reputational harm

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

Advertising injury

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

See what our customers have to say

I am so excited

I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.

Curzella J.

Easiest insurance purchase – EVER!

I was looking around trying to compare insurance and I am so lucky I found ERGO NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.

Michael W.

Happy small business owner!

I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but ERGO NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!

Nicole E.