[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/blinsuranceadvisors.com\/2020\/01\/30\/general-liability-insurance-for-businesses\/#BlogPosting","mainEntityOfPage":"https:\/\/blinsuranceadvisors.com\/2020\/01\/30\/general-liability-insurance-for-businesses\/","headline":"General Liability Insurance for Businesses","name":"General Liability Insurance for Businesses","description":"What is General Liability Insurance? General liability insurance is a policy that protects your business from normal accidents.\u00a0 Therefore, it should be a coverage held by all businesses and contractors. The consequences of not getting general liability insurance for your business could cost you a lot of money.\u00a0 A single claim, say an injury on...","datePublished":"2020-01-30","dateModified":"2026-05-29","author":{"@type":"Person","@id":"https:\/\/blinsuranceadvisors.com\/author\/elio\/#Person","name":"Elio Vecchiarelli","url":"https:\/\/blinsuranceadvisors.com\/author\/elio\/","identifier":6,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Blue Lion Insurance Advisors","logo":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/business-owners-couple800-550.jpg","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/business-owners-couple800-550.jpg","height":550,"width":800},"url":"https:\/\/blinsuranceadvisors.com\/2020\/01\/30\/general-liability-insurance-for-businesses\/","about":["Business Insurance"],"wordCount":423,"articleBody":"What is General Liability Insurance?General liability insurance is a policy that protects your business from normal accidents.\u00a0 Therefore, it should be a coverage held by all businesses and contractors. The consequences of not getting general liability insurance for your business could cost you a lot of money.\u00a0 A single claim, say an injury on your property, could bankrupt your company. So the risk isn\u2019t worth the money saved from getting cheap general liability insurance. You simply need general liability insurance to ensure your business stays afloat.How Much Does Commercial General Liability Insurance Cost?For how much commercial general liability insurance covers, it is a low-cost insurance protection.\u00a0 However, most business owners overestimate the cost of general liability, assuming it would cost a lot to insure a business.\u00a0 But pricing can vary depending on the coverage and amounts desired so be sure to request a free quote to see how much it would cost your business and its specific needs.What Could It Cover?General liability insurance could provide coverage for bodily injury, property damage, product liability, personal and advertising injury, medical payments, and legal fees.\u00a0 For example, to better understand general liability insurance and its importance, take a look at common incidents it covers:Bodily InjuryA person slips in your place of business and rolls their ankle.Property DamageWhile working on a client\u2019s roof, the ladder falls down and lands on their brand new car.When mowing the lawn, you hit a rock and it breaks a window.Product LiabilityA customer at your restaurant complains that your food made them sick.\u00a0\u00a0As a salon, you sell homemade products to clients.\u00a0 One customer has an allergic reaction to a product.Advertising and Personal InjuryOne of your employees writes something demeaning about a customer or competitor online.\u00a0 They sue the business for slander.In an advertisement, you use an image found online that belongs to someone else.\u00a0 They sue you for copyright infringement.With all of these examples, general liability insurance would have paid for the incidents.Who Needs General Liability Insurance?The consequences of not having general liability to protect your business, make this coverage a requirement.\u00a0 Therefore, every business, even if you are a one person business, should have general liability coverage. So, it is extremely necessary for anyone who:Owns property.Rents property.Works on or near other people\u2019s property (e.g. construction, landscape, etc).Cooks or prepares food.Sells products.Employs people who are prone to gossip.Does a lot of advertising."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2020","item":"https:\/\/blinsuranceadvisors.com\/2020\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"01","item":"https:\/\/blinsuranceadvisors.com\/2020\/\/01\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"30","item":"https:\/\/blinsuranceadvisors.com\/2020\/\/01\/\/30\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"General Liability Insurance for Businesses","item":"https:\/\/blinsuranceadvisors.com\/2020\/01\/30\/general-liability-insurance-for-businesses\/#breadcrumbitem"}]}]