What Does General Liability Insurance Cover?


General liability insurance protects your LLC if someone gets injured on your business property, and covers damages caused by you or your employees. A typical CGL policy covers:

  • Body Injury
  • Property Damage
  • Personal Liabilities (libel, slander, copyright infringement, Invasion of property and privacy, wrongful eviction, false arrest)
  • Advertising Liabilities Injury (losses by your advertising)
  • Legal Defense and Judgment

Note:If your LLC offers a professional service such as accounting, legal advice, web design, etc. you may also need to invest in professional liability insurance. This will protect your business against malpractice claims. professional liability insurance. This will protect your business against malpractice claims.

Should I Get General Liability Insurance?


If you own property or have valuable business assets, general liability insurance is a worthwhile investment for your small business Annual premiums typically range between $300 and $1000 depending on your coverage needs and line of work. Given that the alternative is to risk paying hundreds of thousands of dollars in legal fees, this is a small price to pay for peace of mind.

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