What is your Industry?
Rates vary significantly based on your risk class code.
Most landlords and project managers require you to list them as "Additional Insured" on your certificate. We include this endorsement automatically.
Why is General Liability the baseline?
General Liability (GL) is the foundation of business insurance. It covers:
- Bodily Injury: If a customer slips and falls in your shop.
- Property Damage: If you accidentally break a client's expensive equipment.
- Legal Defense: It pays for lawyers if you are sued for covered claims.
Annual Revenue?
This helps carriers estimate their exposure.
Choose Your Primary Coverage
The "Big Three" policies for most businesses.
General Liability
Covers slips, falls, and third-party property damage.
Commercial Property
Protects your building, inventory, and equipment.
Commercial Auto
Coverage for work trucks, vans, and business fleets.
Pro Tip: You can often bundle General Liability and Commercial Property into a BOP (Business Owners Policy) to save money, but Commercial Auto is usually a separate policy.
Specialized Coverages
Add these to fill specific gaps in your protection.
General Liability vs. Professional Liability
This is the most common confusion for business owners. Knowing the difference ensures you aren't paying for coverage you don't need—or missing coverage you do.
The Breakdown:
Physical Damage. Slips, falls, broken windows. "I dropped a hammer on your foot."
Financial Damage. Bad advice, missed deadlines. "I deleted your database."
Estimated Monthly Costs
Insurance premiums are based on revenue and risk. Here are typical starting rates.
General Liability
$1M / $2M Limits
Standard coverage required by most contracts and landlords.
Liability + Property
Comprehensive
Includes equipment coverage and business interruption insurance.
Workers Comp
Per Employee
Varies heavily by state and job duties (e.g., roofer vs. clerical).