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    Protect your business from liability claims

    General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance quotes usually include:

    • Bodily injury and property damage liability
    • Personal and advertising injury
    • Medical payments
    • Products-completed operations
    • Damage to premises rented to you

    Learn how these coverages protect small businesses and how much you’ll want to consider for your unique risk.

    Show video transcript

    Who needs general liability insurance?

    General liability insurance is often combined with property insurance in a business owners policy (BOP), but it's also available to many contractors as a standalone coverage through the Progressive Advantage® Business Program.

    As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood.

    A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.

    Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

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    General liability insurance for contractors

    If you're a contractor, you might only need general liability instead of a business owners policy (BOP). For example, you might not own any commercial buildings that require property insurance or have to cover payroll or other operating expenses. However, you're still exposed to liability risks from your job.

    You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Progressive Advantage Business Program. We offer general liability, as well as Blanket Additional Insured Coverage to contractors who qualify.

    Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.

    General liability insurance cost

    In 2022, the national median cost of general liability insurance through Progressive was $53. The average price was $72.

    Most customers find their monthly premium to be closer to the median price because expensive outliers often drive up the average cost. Your rate will depend on specific features of your business.

    Discover more about general liability insurance cost, policy rating factors and money-saving tips to help you find the best combination between price and protection for your business. Call us or start a quote online.

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    Get it all in a BOP

    If you have commercial buildings and other business personal property, you might need the additional protections found in a BOP.

    Common questions about general liability insurance

    Is general liability insurance required by law?

    Does general liability insurance have a deductible?

    Does general liability insurance cover theft?

    Is general liability insurance tax deductible?

    Does general liability cover professional mistakes?

    What is a certificate of insurance?

    Can Progressive help me get general liability insurance in my state?

    Can high-risk businesses get general liability insurance?

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    Start a general liability insurance quote and protect your small business today

    Get a quoteOr, call 1-888-806-9598