Estimate your general liability premium based on revenue, industry, and headcount.
Estimate your general liability premium
$300,000
5
Basic GL coverage
$1,260/yr
Expanded coverage
$1,800/yr
Recommended limit
$1,000,000
Estimate only. Actual premiums depend on insurer, coverage limits, location, and claims history.
What general liability covers
Commercial general liability (CGL) covers third-party bodily injury, property damage, and personal/advertising injury arising from your business operations, products, or premises.
When you need it
You have a physical location customers visit
Clients require proof of insurance before signing contracts
Your work could damage client property
You operate in construction, food service, or events
Common coverage limits
Most small businesses carry $1M per occurrence / $2M aggregate
Low-risk freelancers may start at $500K
High-risk or contract-driven businesses often need $2M+
GL vs. a BOP
A Business Owner's Policy (BOP) bundles general liability with commercial property coverage, usually at a lower combined cost than buying each separately. For most small businesses with a physical location, a BOP is the more economical choice.