Key Takeaways
- Compare coverage details before focusing on price.
- Review limits, deductibles, exclusions, and eligibility carefully.
- Verify final policy details with a carrier or licensed insurance professional.
General liability insurance is one of the most common business insurance policies because it can help with third-party bodily injury, property damage, and some advertising injury claims.
When general liability matters
- A customer slips and falls at your business location.
- Your work damages a client property.
- A contract requires proof of coverage before work begins.
What to compare
Review policy limits, deductibles, exclusions, additional insured requirements, and certificate turnaround time. Small business owners should also compare whether professional liability or workers compensation is needed based on their work and state rules.
