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Account</span></button></a></div></div></div><style data-emotion="css kwosgo">.css-kwosgo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:50%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;overflow:hidden;padding:5.555555555555555vw;--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}@media (max-width: 639px){.css-kwosgo{margin-bottom:9vw;width:100%;padding:4.266666666666667vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-kwosgo{padding:7.8125vw;}}</style><div class="css-kwosgo epw31kr3"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/09/how-can-we-help-you-768x998.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/09/how-can-we-help-you-768x998.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/09/how-can-we-help-you.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/09/how-can-we-help-you.png" alt="how can we help you" class="h-auto w-[100%]" loading="eager" fetchpriority="auto"/></picture></div></section></div><div ni-selector="3-file_a_claim_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="file-a_claim"><style data-emotion="css fcxdbe">.css-fcxdbe{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding:0px;}@media (max-width: 639px){.css-fcxdbe{-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;}}</style><section class="css-fcxdbe e6q3gw413"><style data-emotion="css 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customer, but need help filing a claim?</h2><style data-emotion="css 13udsys">.css-13udsys{height:100%;}</style><div data-cy="form-body-step-0" class="css-13udsys e6q3gw45"><style data-emotion="css 7wjug2">.css-7wjug2{margin-bottom:1.5rem;text-align:left;}</style><div class="css-7wjug2 e1efdttc4"><style data-emotion="css 1gok8e8">.css-1gok8e8{margin-bottom:0.5rem;}</style><label for="fullName" class="block lg:text-lg css-1gok8e8 e1efdttc3">Full Name*</label><input autoComplete="off" id="fullName" class="w-full rounded-2xl lg:text-lg border border-solid border-extraLightGrey p-3 " name="fullName"/><small class="text-IndianRed hidden">Full name is required</small></div><div class="css-7wjug2 e1efdttc4"><label for="email" class="block lg:text-lg css-1gok8e8 e1efdttc3">Email*</label><input role="emailInput" autoComplete="off" id="email" class="w-full rounded-2xl lg:text-lg border border-solid border-extraLightGrey p-3 " name="email"/><small data-cy="email-error-label" class="text-IndianRed 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var(--tw-text-opacity));margin-top:1.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;text-align:center;font-size:4vw;line-height:5vw;}@media (min-width: 640px){.css-nu3i23{margin-top:3vw;-webkit-flex:none;-ms-flex:none;flex:none;padding-right:13vw;text-align:left;font-size:1.9vw;line-height:1;}}@media (min-width: 768px){.css-nu3i23{margin-top:2vw;font-size:1.8vw;}}@media (min-width: 1280px){.css-nu3i23{margin-top:2vw;padding-right:15vw;font-size:2vw;}}@media (min-width: 1536px){.css-nu3i23{margin-top:2vw;padding-right:20vw;font-size:1.7vw;}}@media (min-width: 1920px){.css-nu3i23{margin-top:30px;padding-right:90px;font-size:35px;}}</style><div class="css-nu3i23 e1edndzz2"><style data-emotion="css 1mi85kb">.css-1mi85kb{width:75%;}@media (min-width: 640px){.css-1mi85kb{width:100%;}}</style><div role="coiSubtitle" class="css-1mi85kb e1edndzz1">Manage your 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5 common questions","faq_image":false,"faq_image_alt":"","faq_description":"","faq_short_description":"","faq_open_questions":"0","bgColor":"sky_50","faq_manually_questions":false,"faq_selected_questions":[{"ID":1000383336,"post_author":"128","post_date":"2022-05-02 23:01:40","post_date_gmt":"2022-05-02 23:01:40","post_content":"General liability is included in most \u003ca href=\"/business-insurance/\"\u003ebusiness insurance packages\u003c/a\u003e because it covers the risks that many business owners face every day. It is not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.\r\n\r\nHere are some examples of businesses owners who might need general liability coverage:\r\n\u003cul\u003e\r\n \t\u003cli\u003eGeneral contractors sometimes need general liability as part of the license requirements in their state.\u003c/li\u003e\r\n \t\u003cli\u003eFitness instructors need coverage for some certifications, and it’s usually required if they work at a gym.\u003c/li\u003e\r\n \t\u003cli\u003eAnyone who wants to rent commercial property could be required to have coverage as part of their commercial lease.\u003c/li\u003e\r\n\u003c/ul\u003e","post_title":"Who needs General Liability insurance?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"who-needs-general-liability-insurance","to_ping":"","pinged":"","post_modified":"2022-05-02 23:01:40","post_modified_gmt":"2022-05-02 23:01:40","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=1000383336","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":1000383340,"post_author":"128","post_date":"2022-05-02 23:02:25","post_date_gmt":"2022-05-02 23:02:25","post_content":"You’ll get help paying for expenses after an accident if you’re held responsible for injuring someone or damaging their property. Commercial general liability can also help cover defense costs if you are accused of libel or slander.\r\n\r\nHere are more details on what makes general liability insurance so important:\r\n\r\n\u003cstrong\u003eIt helps you get more jobs\u003c/strong\u003e\r\n\r\nBusiness liability insurance shows that your business is reliable and trustworthy. It gives clients peace of mind knowing that you will take responsibility for your mistakes.\r\n\r\nIt could give you a competitive advantage if your potential client has a choice between your business and another business that doesn’t have insurance. Many larger clients also require coverage before they’ll sign a contract with you.\r\n\r\n\u003cstrong\u003eIt lets you run a legal business\u003c/strong\u003e\r\nSome states and cities will only give you a business permit if you have active general liability insurance and a certificate of insurance. If your business is certified or accredited by a professional organization, you might also be required to keep your general liability insurance active.\r\n\r\n\u003cstrong\u003eYour commercial lease might require general liability insurance\u003c/strong\u003e\r\nIf you plan to lease commercial space, your landlord could also insist on seeing your general liability insurance certificate. Coverage is often required because it shows you will have the financial protection needed to cover expenses related to property damage or injuries related to your business at the leased space.\r\n\r\n\u003cstrong\u003eIt lets you focus on growing your business\u003c/strong\u003e\r\n\r\nWhen you have general liability insurance, it gives you peace of mind. You won’t have to worry about what you would do if a client trips and falls or how you would pay for a new vase if you accidentally broke one in a client’s house.\r\n\r\nHaving business liability insurance means that instead of feeling nervous about what could happen, you can concentrate on growing your business.","post_title":"Why is General Liability important?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"why-is-general-liability-important","to_ping":"","pinged":"","post_modified":"2022-09-22 21:43:22","post_modified_gmt":"2022-09-22 21:43:22","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=1000383340","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":1000383345,"post_author":"128","post_date":"2022-05-02 23:03:47","post_date_gmt":"2022-05-02 23:03:47","post_content":"\u003ca href=\"/general-liability-insurance/cost/\"\u003eGeneral liability insurance cost\u003c/a\u003e is different for each business. It can cost as little as $19 monthly for some businesses.† \r\n\r\nSeveral factors influence the price you’ll pay for coverage, including your industry, the size of your business and how much coverage you want to purchase.\r\n\r\n\u003cstrong\u003eWhat is your industry?\u003c/strong\u003e\r\n\r\nThe amount of risk that you face in your industry is used to determine your insurance costs. If your business is in an industry that is more prone to accidents and injuries, than you will typically pay more for insurance.\r\n\r\nFor example, a carpenter who takes saws and other tools to different locations is more likely to have an accident that would be covered by general liability than a tutor who mostly works at a desk with students. That’s why carpenter insurance is usually more expensive than tutor insurance.\r\n\r\n\u003cstrong\u003eWhat is the maximum amount of coverage that you need?\u003c/strong\u003e\r\n\r\nThe answer to ‘How much does general liability insurance cost?’ depends on your aggregate limit. This is the maximum amount of insurance that you could claim from your general liability insurance policy. The higher your total coverage limit, the higher your small business liability insurance costs.\r\n\r\n\u003cstrong\u003eWhat is your deductible?\u003c/strong\u003e\r\n\r\nIf you have a larger deductible, you’ll pay less for general liability insurance for your small business. At NEXT, we don’t charge a deductible for our general liability insurance policies, so you won’t need to worry about it.","post_title":"How much does General Liability insurance cost?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-much-does-general-liability-insurance-cost","to_ping":"","pinged":"","post_modified":"2024-06-27 20:18:25","post_modified_gmt":"2024-06-27 20:18:25","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=1000383345","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"}],"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"contact_us","displayModule":true,"contact_us_image":{"ID":1000383781,"id":1000383781,"title":"online-chat","filename":"online-chat.png","filesize":210085,"url":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat.png","link":"https://www.nextinsurance.com/lps/crystal-nextjs-test/online-chat/","alt":"Chat Online","author":"128","description":"","caption":"","name":"online-chat","status":"inherit","uploaded_to":1000383090,"date":"2022-05-10 17:42:02","modified":"2022-05-10 17:42:10","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":1976,"height":1976,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-300x300.png","medium-width":300,"medium-height":300,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-768x768.png","medium_large-width":768,"medium_large-height":768,"large":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-1024x1024.png","large-width":1024,"large-height":1024,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-1536x1536.png","1536x1536-width":1536,"1536x1536-height":1536,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat.png","2048x2048-width":1976,"2048x2048-height":1976,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-1200x630.png","FacebookBig-width":1200,"FacebookBig-height":630,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-640x455.png","spotlight-width":640,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-645x360.png","archiveBlogroll-width":645,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-802x454.png","singleBlogImage-width":802,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-1920x335.png","blogCategoryHeroDesktop-width":1920,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-768x134.png","blogCategoryHeroTablet-width":768,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/05/online-chat-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"contact_us_image_alt":"Chat Online","contact_us_upper_title":"Want to chat?","contact_us_lower_title":"We’re here to help.","contact_us_subtitle":"Get 24/7 instant support with our A.I. assistant or connect with our U.S.-based insurance experts weekdays from 8 a.m. to 5 p.m. CT.","bgColor":"white","ctaButton":{"title":"Chat With Us","url":"/help-center/","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""},"showZendeskChat":true,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}}],"seo":{"title":"Next Insurance Help Center - 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