Bodily injury
Covers medical expenses and legal liability when someone is physically injured on your premises or due to your operations.
General Liability Insurance for Every Business
Commercial general liability (CGL) insurance protects your business from claims of bodily injury, property damage, and advertising injury. Compare policies from multiple carriers in minutes with our data-driven platform.
What's covered
What does general liability insurance cover?
A commercial general liability policy is the foundation of nearly every business insurance program. It protects your company when a third party alleges injury, damage, or harm caused by your business operations, products, or advertising.
Property damage
Pays for repair or replacement when your business causes damage to someone else's property.
Personal & advertising injury
Protects against claims of libel, slander, copyright infringement, and false advertising.
Medical payments
Covers minor medical expenses for third parties injured at your location, regardless of fault.
Legal defense costs
Pays attorney fees, court costs, and settlements even if the claim against you is groundless.
Who needs it
Who needs general liability insurance?
Virtually every business that interacts with the public, operates from a physical location, or provides products and services should carry general liability coverage. Many landlords, clients, and government contracts require proof of GL insurance before you can sign a lease, start a project, or bid on work.
- Contractors & construction firms — Required on virtually every job site and by general contractors.
- Retail stores & restaurants — Customer-facing businesses with high slip-and-fall exposure.
- Professional service firms — Consultants, agencies, and IT companies that visit client sites.
- Manufacturers & distributors — Product liability claims fall under CGL coverage.
- Home-based & online businesses — Even without a storefront, lawsuits can arise from your products or services.
- Nonprofits & event organizers — Venues and sponsors often require GL certificates of insurance.
Why Ashmont Insurance Agency
The smarter way to buy general liability insurance
Our platform removes the guesswork from finding the right coverage at the right price.
Instant comparison
Our platform analyzes your business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your coverage, answer questions, and help you make the right decisions for your business.
Industries We Serve
General liability insurance for businesses in every industry
From contractors to retailers, nearly every business needs GL coverage. See how we protect your specific industry.
FAQ
Frequently asked questions about general liability insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
General liability insurance typically costs between $300 and $1,500 per year for small businesses, depending on your industry, revenue, location, number of employees, and claims history. High-risk industries like construction may pay more, while low-risk office-based businesses often pay less. Ashmont Insurance Agency compares quotes from multiple carriers to find the most competitive rate for your business.
General liability insurance covers third-party bodily injury, property damage, and advertising injury claims. Professional liability (also called errors and omissions or E&O) covers claims arising from professional mistakes, negligence, or failure to deliver services as promised. Most service-based businesses need both types of coverage for complete protection.
No. General liability insurance covers injuries to third parties such as customers, vendors, or visitors — not your employees. Employee workplace injuries are covered by workers' compensation insurance, which is a separate policy required in nearly every state. Ashmont Insurance Agency can help you get both policies, often at a bundled discount.
The most common general liability policy structure is a $1 million per-occurrence limit with a $2 million general aggregate limit. Some businesses, especially those working with larger clients or government contracts, may need higher limits. You can increase coverage with an umbrella or excess liability policy.
Businesses often add umbrella or excess liability when contracts require higher total limits or when a severe claim could exceed a standard general liability limit. It is especially common for contractors, public-facing businesses, and companies with significant auto exposure.
Yes. Ashmont Insurance Agency lets you compare general liability quotes from multiple carriers online the same day. We analyze your business profile, compares coverage options and pricing, and presents your best matches. A licensed advisor is always available if you need help choosing the right policy.
Ready to find the right general liability policy?
Compare GL quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.