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This is called “<a href=\"/glossary/bodily-injury-coverage/\">bodily injury</a>.”</p>\r\n<p><a href=\"/general-liability-insurance/\">General liability insurance coverage</a> can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.</p>\r\n<p>And if you’re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.</p>\r\n<p>It’s one of the most frequently purchased <a href=\"/business-insurance/\">types of business insurance</a> by small business owners because of the broad protection it offers.</p>\r\n<p>This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance.” For the sake of simplicity, we’ll just call it general liability in the details below.</p>"}},{"@type":"Question","name":"What does General Liability cover?","acceptedAnswer":{"@type":"Answer","text":"<p>General liability insurance coverage can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:</p>\r\n<ul>\r\n <li>Injuries to people who are not your employees (bodily injury)</li>\r\n <li>Damage to another person’s property (property damage)</li>\r\n <li>Court and legal fees</li>\r\n <li>Medical payments</li>\r\n <li>Advertising harm</li>\r\n <li>Accusations of libel or slander (personal injury or reputational harm)</li>\r\n</ul>\r\n<p>If you're involved with any of these business risks, our <a href=\"/general-liability-insurance/edu/claims-examples/\">general liability claims</a> process could provide financial help if it is a covered event.</p>\r\n<p>Learn more about what <a href=\"/general-liability-insurance/\">general liability covers</a>.</p>"}},{"@type":"Question","name":"Who needs General Liability insurance coverage?","acceptedAnswer":{"@type":"Answer","text":"<p>General liability is included in many business insurance packages because it can help cover the risks that many small business owners face every day.</p>\r\n<p>It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.</p>\r\n<p>Here are some examples of how different types of businesses are protected from liability risks with a commercial general liability insurance policy:</p>\r\n<p><strong>Construction trades</strong></p>\r\n<p><a href=\"/general-liability-insurance/contractors/\">Artisan contractors</a> and other <a href=\"/general-liability-insurance/construction/\">construction professionals</a> are often required to have general liability insurance to get professional licenses or work on certain jobs. That’s because there’s a risk of injury to other people and property damage in the work they do.</p>\r\n<p><strong>Restaurants and food service</strong></p>\r\n<p>Slip-and-fall accidents are a risk that <a href=\"/general-liability-insurance/food-services/\">food business</a> owners worry about. A general liability policy can help cover medical payments and lawsuit expenses. Some businesses can also add <a href=\"/liquor-liability-insurance/\">liquor liability</a> or <a href=\"/workers-compensation-insurance/\">workers’ compensation</a> for more coverage.</p>\r\n<p><strong>Retail and e-commerce</strong></p>\r\n<p><a href=\"/general-liability-insurance/retail/\">Retail business</a> owners can also benefit from the protection GL provides for customer injuries. NEXT policies also includes some protection for <a href=\"/product-liability-insurance/\">product liability coverage</a>.</p>\r\n<p><strong>Fitness professionals</strong></p>\r\n<p>Personal trainers might need to be a policyholder for some professional certifications, and it can be required if they work at a gym.</p>\r\n<p><strong>Cleaning businesses</strong></p>\r\n<p>General liability business insurance can protect <a href=\"/general-liability-insurance/cleaners/\">cleaners</a> from financial losses if they accidentally break or damage property at a job.</p>\r\n<p>If you want to rent commercial property you might also be required to have coverage as part of your commercial lease.</p>"}},{"@type":"Question","name":"Why is General Liability important?","acceptedAnswer":{"@type":"Answer","text":"<p>We’ve already looked at some of the important protections business liability insurance can offer after an accident.</p>\r\n<p>Now, let’s look at some benefits it can provide in your day-to-day (hopefully accident-free) operations.</p>\r\n<h3>It can help you get more jobs</h3>\r\n<p>Having business liability insurance shows clients that your business is trustworthy and that you will take responsibility for your mistakes. That’s why some business owners advertise that they are insured.</p>\r\n<p>It could give you a competitive advantage if a potential client has a choice between your business and another business that doesn’t have insurance.</p>\r\n<p>Many larger clients also require coverage before they’ll sign a contract with you.</p>\r\n<h3>It keeps your business in compliance</h3>\r\n<p>Some states and cities will only give you a business permit if you have an active general liability insurance policy and a <a href=\"/certificate-of-insurance/\">certificate of insurance</a>.</p>\r\n<p>You might be required to keep your insurance active if your business is certified or accredited by a professional organization.</p>\r\n<h3>Your commercial lease might require it</h3>\r\n<p>Property owners may ask to see your certificate of insurance if you plan to lease commercial space.</p>\r\n<p>Business liability is often required because it shows you will have financial protection that can help cover expenses related to customer injuries at your leased space.</p>\r\n<h3>It lets you focus on growing your business</h3>\r\n<p>Business liability insurance can give you peace of mind.</p>\r\n<p>You can have protection if a client trips and falls or you accidentally damage a customer's expensive property.</p>"}},{"@type":"Question","name":"How much does General Liability insurance cost?","acceptedAnswer":{"@type":"Answer","text":"<p><a href=\"/general-liability-insurance/cost/\">General liability insurance costs</a> are different for each business. It can cost as little as $11 monthly for some low-risk businesses.</p>\r\n<p>Several factors influence the price you’ll pay for insurance, including:</p>\r\n<ul>\r\n <li>Your industry</li>\r\n <li>Your business operations</li>\r\n <li>The size of your business</li>\r\n <li>Where you do business</li>\r\n <li>Your business needs and how much coverage you want to purchase</li>\r\n <li>Policy limits</li>\r\n</ul>\r\n<p>Get a basic estimate of how much general liability can cost with our <a href=\"/general-liability-insurance/calculator/\">general liability calculator</a>.</p>"}},{"@type":"Question","name":"How do I get General Liability insurance?","acceptedAnswer":{"@type":"Answer","text":"<p>You can get business insurance and your certificate of insurance in less than 10 minutes with NEXT’s easy online process.</p>\r\n<p>Start an instant general liability insurance quote to see options for your small business. Here’s how the process works:</p>\r\n<p>We’ll ask you some basic questions about your business and operations, including:</p>\r\n<ul>\r\n <li>Your industry</li>\r\n <li>Where you do business</li>\r\n <li>How many years you have owned the business</li>\r\n <li>Number of employees</li>\r\n <li>Expected annual revenue</li>\r\n <li>Recent insurance and claims history</li>\r\n</ul>\r\n<p>After that, you’ll have a customized insurance quote for general liability and other recommended coverage.</p>\r\n<p>If you like what you see, you can adjust the package limits and make your purchase.</p>\r\n<p>Your coverage will begin immediately after payment and you’ll have access to your certificate of insurance.</p>\r\n<p><a href=\"https://app.nextinsurance.com/quote/get-started\">Start a free instant quote today</a>.</p>"}},{"@type":"Question","name":"What other types of business insurance do I need?","acceptedAnswer":{"@type":"Answer","text":"<p>General liability can provide important financial protection for your business after an accident, but it usually doesn’t protect businesses from all the risks they face.</p>\r\n<p>It's important to consider other types of coverage when exploring your business insurance options and deciding on your risk management plan. For example:</p>\r\n<p><strong>Other types of liability coverage</strong></p>\r\n<p><a href=\"/professional-liability-insurance/\">Professional liability insurance</a> can help protect your business from losses after a professional mistake.</p>\r\n<p>Depending on your industry, you might also benefit from <a href=\"/product-liability-insurance/\">product liability insurance</a> (retail) or <a href=\"/liquor-liability-insurance/\">liquor liability insurance</a> (food service).</p>\r\n<p><strong>Workers’ compensation</strong></p>\r\n<p>Most states require workers’ compensation if you have employees. It can help cover medical expenses and lost wages after an employee’s workplace accident.</p>\r\n<p>Learn more about <a href=\"/workers-compensation-insurance/\">workers’ compensation insurance</a>.</p>\r\n<p><strong>Commercial property insurance</strong></p>\r\n<p>This coverage can help pay for a replacement or repair for your business property. General liability only over property that doesn’t belong to you.</p>\r\n<p>Learn more about <a href=\"/commercial-property-insurance/\">commercial property insurance</a>.</p>"}},{"@type":"Question","name":"Compare General Liability insurance","acceptedAnswer":{"@type":"Answer","text":"<p>We’ll walk you through the differences and similarities between General Liability insurance and other types of business insurance policies to help you make the best choice for your business.</p>\r\n<ul>\r\n <li><a href=\"/comparison/general-liability-vs-professional-liability/\">General Liability insurance vs Professional Liability</a></li>\r\n <li><a href=\"/comparison/general-liability-vs-business-owners-policy/\">General Liability insurance vs Business Owner's Policy</a></li>\r\n <li><a href=\"/comparison/general-liability-vs-workers-compensation/\">General Liability insurance vs Workers' Compensation</a></li>\r\n <li><a href=\"/comparison/commercial-property-vs-liability-insurance/\">Liability insurance vs Commercial Property insurance</a></li>\r\n</ul>\r\n<ul>\r\n<li><a href=\"/comparison/\"><strong>Compare other business insurance policies</strong></a></li>\r\n </ul>"}},{"@type":"Question","name":"General Liability FAQ","acceptedAnswer":{"@type":"Answer","text":"<p>If you don’t find the answers you’re looking for, our licensed insurance advisors are standing by to help.</p>\r\n<h2>Is General Liability insurance required by law?</h2>\r\n<p>General liability insurance is often the first type of coverage purchased by new business owners, but it’s not typically required by law.</p>\r\n<p>However, some agencies might require coverage before issuing a professional license or permit. This is common in construction.</p>\r\n<p>Clients might also ask for proof of insurance before they will work with you.</p>\r\n<h2>What is the difference between Professional Liability and General Liability?</h2>\r\n<p>This question comes up a lot. That’s why we wrote a detailed overview of general liability vs. professional liability.</p>\r\n<p>Here’s a quick overview:</p>\r\n<p><a href=\"/professional-liability-insurance/\">Professional liability insurance</a> and general liability insurance offer similar benefits but there is one major difference — professional liability insurance can help cover professional mistakes and accusations of neglect. It's often related to advice you provide to a client or customer, not accidents in the workplace.</p>\r\n<p>General liability insurance coverage can provide financial protection for accidents that are more physical, such as property damage and injuries involving people who are not your employees.</p>\r\n<p>Learn more about <a href=\"/comparison/general-liability-vs-professional-liability/\">the difference between professional liability and general liability</a>.</p>\r\n<h2>What is General Liability aggregate?</h2>\r\n<p>General liability aggregate is a common insurance industry term you'll run into when exploring options for this coverage.</p>\r\n<p>It's the maximum amount of money an insurance company will pay out during your policy period, which is usually one year.</p>\r\n<p>If your business has expensive claims, you might hit your aggregate limit. In that case, you would be responsible for paying out of pocket to cover the remaining expenses.</p>\r\n<p>Note that the aggregate limit is different from the “per occurrence” limit, which is the maximum amount your policy pays out per claim within the term of your policy.</p>\r\n<p>For example, if you have a general aggregate liability limit of $300,000 and you’ve already made three claims in your policy term (usually a year) for $100,000 each, you’ve reached your aggregate limit and your insurance company won’t cover any additional claims.</p>\r\n<p>It’s important to know your aggregate limit when you purchase general liability insurance. If you exceed your limit during your policy term, you will be responsible for paying for any expenses out of pocket that exceed the limit.</p>\r\n<p>Learn more about <a href=\"/glossary/aggregate-limit-of-liability/\">aggregate limit of liability</a>.</p>\r\n<h2>Does General Liability insurance cover property damage?</h2>\r\n<p>General liability insurance can cover expenses related to property damage, but only to property that does not belong to you.</p>\r\n<p><a href=\"/commercial-property-insurance/\">Commercial property insurance</a> can help protect the physical items you need to operate your business:</p>\r\n<ul>\r\n <li>Inventory</li>\r\n <li>Business equipment</li>\r\n <li>Furniture and furnishings</li>\r\n <li>Physical structures.</li>\r\n</ul>\r\n<p>A <a href=\"/business-owners-policy/\">business owner’s policy</a> (BOP insurance) combines general liability insurance and commercial property insurance into one package that is usually less expensive than buying the coverage separately.</p>\r\n<p>Learn more about <a href=\"/business-owners-policy/\">BOP insurance</a>.</p>\r\n<h2>Does commercial General Liability insurance cover automobile liability?</h2>\r\n<p>General liability insurance does not cover automobile liability or any expenses related to business or personal driving.</p>\r\n<p><a href=\"/commercial-auto-insurance/\">Commercial auto insurance</a> can help cover expenses If you drive for business reasons:</p>\r\n<ul>\r\n <li>Injuries if you are responsible for an accident</li>\r\n <li>Property damage to other people’s property</li>\r\n <li>Repairs for your vehicle</li>\r\n <li>Towing and rentals if your vehicle is damaged</li>\r\n</ul>\r\n<p>Learn more about <a href=\"/commercial-auto-insurance/\">commercial auto coverage</a>.</p>\r\n<h2>Does commercial General Liability insurance cover theft?</h2>\r\n<p>General liability insurance doesn’t cover the theft of your own possessions but it might cover the theft of customer property.</p>\r\n<p>If you’re repairing a garage door for a homeowner and someone steals her bike while you’re out back, general liability could help pay for a replacement.</p>\r\n<p>But if any of your personal or business items are stolen, you won’t be covered without additional insurance.</p>\r\n<p>You can bundle <a href=\"/tools-and-equipment-insurance/\">tools & equipment insurance</a> with your NEXT Insurance general liability coverage if you are a contractor or own a cleaning business.</p>\r\n<h2>Will General Liability insurance protect me if my tools get stolen?</h2>\r\n<p>If you’re a contractor or own a cleaning business, <a href=\"/tools-and-equipment-insurance/\">tools & equipment insurance</a> can protect your belongings if they are damaged or stolen.</p>\r\n<p>Commercial general liability alone won’t provide tools and equipment coverage.</p>\r\n<p>You might consider adding tools and equipment coverage if you work frequently at different locations because it will provide financial protection for your equipment wherever you go.</p>\r\n<p>For example, if there’s a water leak at the new house you’re building and your power tools get soaked, your insurance could help pay for new tools.</p>\r\n<p>Learn more about <a href=\"/tools-and-equipment-insurance/\">tools & equipment insurance</a>.</p>\r\n<h2>Does General Liability insurance cover employee injuries?</h2>\r\n<p>General liability insurance can help pay for expenses if your business is accused of causing an injury, but injuries to you or your employee are not included.</p>\r\n<p><a href=\"/workers-compensation-insurance/\">Workers’ compensation insurance</a> can help pay for medical expenses and lost wages if an employee is hurt on the job.</p>\r\n<p>Most states legally require you to purchase coverage as soon as you hire an employee. It also provides benefits for business owners if they get hurt on the job if they purchase optional business owner’s coverage.</p>\r\n<p>Learn more about <a href=\"/workers-compensation-insurance/\">workers’ compensation insurance</a>.</p>\r\n<h2>Is General Liability insurance tax deductible?</h2>\r\n<p>General liability insurance premiums can typically be deducted from your taxes. It’s important to consult with a licensed accounting professional to make sure you qualify.</p>\r\n<p>The <a href=\"https://www.irs.gov/publications/p535#en_US_2020_publink100078332\" target=\"_blank\">IRS</a> categorizes payments you make for this type of insurance to be both an “ordinary and necessary” business expense so be sure to keep a file of how much you pay every year for your policy.</p>\r\n<h2>How much General Liability insurance do I need?</h2>\r\n<p>Our small business insurance isn’t one-size-fits-all. Each business is unique and has different insurance needs.</p>\r\n<p>The coverage you need depends on several factors, including:</p>\r\n<ul>\r\n <li>The type of work you do</li>\r\n <li>How many employees and subcontractors you have</li>\r\n <li>The level of risk your company faces</li>\r\n <li>The state where you work</li>\r\n <li>When you complete an instant quote online with Next, you can review options and adjust limits to your preference.</li>\r\n</ul>\r\n</li>\r\n<h2>When will I get my policy documents and proof of insurance?</h2>\r\n<p>With NEXT, it can take less than 10 minutes to purchase coverage and you’ll have instant access to policy documents and your <a href=\"/certificate-of-insurance/\">certificate of insurance (COI)</a>.</p>\r\n<p>You can access your documents and COI 24/7 online or in the NEXT app for <a href=\"https://apps.apple.com/us/app/next-insurance/id1580721755\">iPhone</a> or <a href=\"https://play.google.com/store/apps/details?id=com.nextinsurance\">Android</a>.</p>\r\n<p>Learn more about our <a href=\"/certificate-of-insurance/\">digital certificate of insurance</a>.</p>\r\n\r\n<h2>How do I make a General Liability insurance claim?</h2>\r\n<p>You can file a claim anytime and from anywhere online or in the NEXT app.</p>\r\n<p>You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions within 48 hours so you can get back to focusing on your work.</p>\r\n<p>Check out our <a href=\"/claim-page/\">claims page for more details</a>.</p>\r\n<h2>How quickly are general liability claims resolved?</h2>\r\n<p>Often, claims decisions are made within 48 hours, although some claims require more time.</p>\r\n<p>The specific details of the claim, how bad the damage is, how many people are involved, the availability of information and other factors all contribute to the decision process.</p>"}}]},{"@type":"Product","@context":"https://schema.org","name":"General Liability Insurance","description":"Best Small Business Insurance Online - Get Free Quote!","aggregateRating":{"@type":"aggregateRating","ratingValue":"4.7","reviewCount":"3393"},"review":[{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Riccardo 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zigog8">.css-zigog8{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}</style><div class="css-zigog8 e85alft0"><style data-emotion="css cycsli">.css-cycsli{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:Graphik Web,sans-serif;font-size:0.972vw;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 1280px){.css-cycsli{width:6vw;}}@media (max-width: 639px){.css-cycsli{font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-cycsli{font-size:2.083vw;}}@media (min-width: 2500px){.css-cycsli{font-size:20px;}}</style><span class="css-cycsli e85alft1">Rated 4.7/5</span><a href="/reviews/"><style data-emotion="css 1j738ad">.css-1j738ad{font-family:Graphik Web,sans-serif;font-size:3.733vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1j738ad{font-size:1.823vw;}}@media (min-width: 1024px){.css-1j738ad{font-size:1.111vw;}}@media (min-width: 1920px){.css-1j738ad{font-size:16px;}}</style><p type="body-text-sm" class="cursor-pointer css-1j738ad e3r5m8y1">(5056 reviews)</p></a></div></span></div></div><div ni-selector="4-icon_tiles_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="4-icon-tiles"><style data-emotion="css l2nhqm">.css-l2nhqm{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:17.067vw 4.267vw;}@media (min-width: 640px){.css-l2nhqm{padding:7.813vw;}}@media (min-width: 1024px){.css-l2nhqm{padding:4.444vw;}}@media (min-width: 1920px){.css-l2nhqm{width:1700px;padding:64px;}}</style><div class="css-l2nhqm e8z6v5c5"><style data-emotion="css 1iwdu09">@media (min-width: 640px){.css-1iwdu09{padding-bottom:8.533vw;}}@media (min-width: 1024px){.css-1iwdu09{padding-bottom:2.778vw;}}@media (min-width: 1920px){.css-1iwdu09{padding-bottom:40px;}}</style><div class="css-1iwdu09 e8z6v5c4"><style data-emotion="css 1p4kj5a">.css-1p4kj5a{font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1p4kj5a{font-size:3.646vw;}}@media (min-width: 1024px){.css-1p4kj5a{font-size:2.778vw;}}@media (min-width: 1920px){.css-1p4kj5a{font-size:40px;}}</style><h2 role="IconTilesModuleTitle" class="css-1p4kj5a e8z6v5c0">Worst case scenario? Bring it on. General Liability can help cover a wide range of risks.</h2></div><style data-emotion="css 5bb3nc">.css-5bb3nc{display:grid;grid-template-columns:repeat(1, minmax(0, 1fr));gap:6.400vw;padding-bottom:10.667vw;}@media (min-width: 640px){.css-5bb3nc{grid-template-columns:repeat(2, minmax(0, 1fr));gap:3.125vw;padding-bottom:3.125vw;}}@media (min-width: 1024px){.css-5bb3nc{grid-template-columns:repeat(3, minmax(0, 1fr));gap:1.667vw;padding-bottom:3.333vw;}}@media (min-width: 1920px){.css-5bb3nc{gap:24px;padding-bottom:48px;}}</style><div class="css-5bb3nc e8z6v5c3"><style data-emotion="css a6aaot">.css-a6aaot{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;border-radius:0.75rem;padding:32px;--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}@media (max-width: 639px){.css-a6aaot{width:100%;padding-bottom:40px;padding-left:32px;padding-right:32px;padding-top:24px;}}</style><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/Injuries.svg" alt="Slip-and-fall injuries" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><style data-emotion="css 1y1nl5g">.css-1y1nl5g{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1y1nl5g{font-size:3.646vw;}}@media (min-width: 1024px){.css-1y1nl5g{font-size:2.778vw;}}@media (min-width: 1920px){.css-1y1nl5g{font-size:40px;}}</style><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Slip-and-fall injuries</h3><style data-emotion="css 1fqwwkt">.css-1fqwwkt{font-family:Graphik Web,sans-serif;font-size:4.267vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1fqwwkt{font-size:2.083vw;}}@media (min-width: 1024px){.css-1fqwwkt{font-size:1.389vw;}}@media (min-width: 1920px){.css-1fqwwkt{font-size:20px;}}</style><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/PropertyDamage.svg" alt="Property damage" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Property damage</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">You accidentally damage a client or customer’s property.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/CourtLegalFees.svg" alt="Legal fees & defense costs" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Legal fees & defense costs</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">You need an attorney to defend your business in a lawsuit after a claim.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/MedicalPaymentBenefits.svg" alt="Medical payments" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Medical payments</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">Someone (excluding employees) gets injured and asks you to pay for medical expenses.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/LibelSlanderDefamation-1.svg" alt="Reputational harm" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Reputational harm</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">An employee bad-mouths a client online and the client sues you.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/AdvertisingHarm.svg" alt="Advertising injury" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Advertising injury</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">You’re sued for improper image use in your advertising.</p></div></div><div class="css-zigog8 e8z6v5c1"><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><style data-emotion="css 17uiwer">.css-17uiwer{cursor:pointer;white-space:nowrap;font-family:Graphik Web,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;--tw-bg-opacity:1;background-color:rgb(0 117 255 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));font-size:1rem;line-height:1rem;letter-spacing:0;height:46px;padding-left:35px;padding-right:35px;border-radius:9999px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 117 255 / var(--tw-border-opacity));}.css-17uiwer:focus{outline:2px solid transparent;outline-offset:2px;}.css-17uiwer:hover{--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}.css-17uiwer:hover{--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 640px){.css-17uiwer{line-height:1rem;}}@media (min-width: 1024px){.css-17uiwer{font-size:1.25rem;line-height:1rem;}}@media (min-width: 640px){.css-17uiwer{height:40px;padding-left:30px;padding-right:30px;}}@media (min-width: 1024px){.css-17uiwer{height:52px;padding-left:36px;padding-right:36px;}}.css-17uiwer:hover{--tw-border-opacity:1;border-color:rgb(0 215 255 / var(--tw-border-opacity));}</style><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div><div ni-selector="5-faq_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="faq"><style data-emotion="css x81qyx">.css-x81qyx{--tw-bg-opacity:1;background-color:rgb(202 253 255 / var(--tw-bg-opacity));}</style><div data-cy="FAQModuleContainer" class="css-x81qyx e1n7sr5610"><style data-emotion="css 1bn6ei5">.css-1bn6ei5{padding-left:5.556vw;padding-right:5.556vw;padding-top:5.556vw;padding-bottom:5.556vw;}@media (max-width: 639px){.css-1bn6ei5{padding-left:4.267vw;padding-right:4.267vw;padding-top:8.533vw;padding-bottom:8.533vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1bn6ei5{padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;}}@media (min-width: 1920px){.css-1bn6ei5{margin-left:auto;margin-right:auto;width:1700px;}}@media (min-width: 2500px){.css-1bn6ei5{padding-left:0px;padding-right:0px;padding-top:5rem;}}</style><div class="css-1bn6ei5 e1n7sr569"><style data-emotion="css bw4age">.css-bw4age{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;text-align:center;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-bw4age{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;font-size:3.646vw;}}@media (min-width: 1024px){.css-bw4age{font-size:2.778vw;}}@media (min-width: 1920px){.css-bw4age{font-size:40px;}}</style><div class="css-bw4age e1n7sr568"><style data-emotion="css 83gwoi">.css-83gwoi{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-83gwoi{font-size:3.646vw;}}@media (min-width: 1024px){.css-83gwoi{font-size:2.778vw;}}@media (min-width: 1920px){.css-83gwoi{font-size:40px;}}</style><h2 type="h2-titles-alpina-reg" class="ml-0 w-full antialiased text-left sm:w-8/12 css-83gwoi e3r5m8y3" role="title">Learn more about General Liability insurance coverage:</h2><style data-emotion="css hhddhq">.css-hhddhq{margin-right:0px;width:90%;}@media (min-width: 640px){.css-hhddhq{margin-right:5rem;width:16.250vw;}}</style><div class="css-hhddhq e1n7sr567"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/10/Questions_GreenBlue-1.svg" role="image" alt="QA" loading="eager" fetchpriority="auto"/></picture></div></div><style data-emotion="css iculqz">.css-iculqz{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-iculqz e1n7sr564"><style data-emotion="css 4rwwzd">.css-4rwwzd{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 1);transition-duration:200ms;}.css-4rwwzd:hover{--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-4rwwzd{padding:3.125vw 3.125vw 3.125vw 4.167vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-4rwwzd{border-radius:36px;padding:2.778vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-4rwwzd{font-size:20px;}}.css-4rwwzd:hover{--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}</style><div role="question-0" data-cy="FAQQuestion-0" class="css-4rwwzd e1n7sr561"><style data-emotion="css fuh4mq">.css-fuh4mq{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}@media (min-width: 640px){.css-fuh4mq{margin-right:0.5rem;}}</style><div class="css-fuh4mq e1n7sr563"><style data-emotion="css 1vmveuw">.css-1vmveuw{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1vmveuw{font-size:3.646vw;}}@media (min-width: 1024px){.css-1vmveuw{font-size:1.944vw;}}@media (min-width: 1920px){.css-1vmveuw{font-size:28px;}}</style><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-0">What is General Liability insurance?</h2><style data-emotion="css v8s5na">.css-v8s5na{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) 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.bg-color-rose img{background-color:#ff0047;}.css-1vhugkq .bg-color-rose .wp-block-quote::before{color:#ff0047;}.css-1vhugkq .bg-color-green img{background-color:#00e650;}.css-1vhugkq .bg-color-green .wp-block-quote::before{color:#00e650;}.css-1vhugkq .bg-color-springGreen img{background-color:#c2ffab;}.css-1vhugkq .bg-color-springGreen .wp-block-quote::before{color:#c2ffab;}.css-1vhugkq .bg-color-orange img{background-color:#ff4100;}.css-1vhugkq .bg-color-orange .wp-block-quote::before{color:#ff4100;}.css-1vhugkq .bg-color-yellow img{background-color:#dcf000;}.css-1vhugkq .bg-color-yellow .wp-block-quote::before{color:#dcf000;}.css-1vhugkq .bg-color-lemonYellow img{background-color:#ffff5e;}.css-1vhugkq .bg-color-lemonYellow .wp-block-quote::before{color:#ffff5e;}.css-1vhugkq .bg-color-lightLemonYellow img{background-color:#ffffd7;}.css-1vhugkq .bg-color-lightLemonYellow .wp-block-quote::before{color:#ffffd7;}.css-1vhugkq .bg-color-violet img{background-color:#ac00e7;}.css-1vhugkq .bg-color-violet .wp-block-quote::before{color:#ac00e7;}.css-1vhugkq .bg-color-gold img{background-color:#ed9100;}.css-1vhugkq .bg-color-gold .wp-block-quote::before{color:#ed9100;}.css-1vhugkq .bg-color-jade img{background-color:#009e73;}.css-1vhugkq .bg-color-jade .wp-block-quote::before{color:#009e73;}.css-1vhugkq .bg-color-peach img{background-color:#ffd2b9;}.css-1vhugkq .bg-color-peach .wp-block-quote::before{color:#ffd2b9;}.css-1vhugkq .bg-color-lavender img{background-color:#dccbff;}.css-1vhugkq .bg-color-lavender .wp-block-quote::before{color:#dccbff;}</style><div class="css-1vhugkq eta8xj40"><p>General liability business insurance can provide financial protection for some of the most common accidents at a business.</p> <p>It can help if someone other than an employee gets hurt and your business is at fault. This is called “<a href="/glossary/bodily-injury-coverage/">bodily injury</a>.”</p> <p><a href="/general-liability-insurance/">General liability insurance coverage</a> can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.</p> <p>And if you’re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.</p> <p>It’s one of the most frequently purchased <a href="/business-insurance/">types of business insurance</a> by small business owners because of the broad protection it offers.</p> <p>This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance.” For the sake of simplicity, we’ll just call it general liability in the details below.</p></div></div></div><div role="question-1" data-cy="FAQQuestion-1" class="css-4rwwzd e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-1">What does General Liability cover?</h2><button aria-expanded="true" aria-label="What does General Liability cover?" class="css-v8s5na e1e1z7qj0"></button></div><div role="c-1" data-cy="questionContent-1" class="css-iunzcc e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>General liability insurance coverage can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:</p> <ul> <li>Injuries to people who are not your employees (bodily injury)</li> <li>Damage to another person’s property (property damage)</li> <li>Court and legal fees</li> <li>Medical payments</li> <li>Advertising harm</li> <li>Accusations of libel or slander (personal injury or reputational harm)</li> </ul> <p>If you're involved with any of these business risks, our <a href="/general-liability-insurance/edu/claims-examples/">general liability claims</a> process could provide financial help if it is a covered event.</p> <p>Learn more about what <a href="/general-liability-insurance/">general liability covers</a>.</p></div></div></div><div role="question-2" data-cy="FAQQuestion-2" class="css-4rwwzd e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-2">Who needs General Liability insurance coverage?</h2><button aria-expanded="true" aria-label="Who needs General Liability insurance coverage?" class="css-v8s5na e1e1z7qj0"></button></div><div role="c-2" data-cy="questionContent-2" class="css-iunzcc e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>General liability is included in many business insurance packages because it can help cover the risks that many small business owners face every day.</p> <p>It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.</p> <p>Here are some examples of how different types of businesses are protected from liability risks with a commercial general liability insurance policy:</p> <p><strong>Construction trades</strong></p> <p><a href="/general-liability-insurance/contractors/">Artisan contractors</a> and other <a href="/general-liability-insurance/construction/">construction professionals</a> are often required to have general liability insurance to get professional licenses or work on certain jobs. That’s because there’s a risk of injury to other people and property damage in the work they do.</p> <p><strong>Restaurants and food service</strong></p> <p>Slip-and-fall accidents are a risk that <a href="/general-liability-insurance/food-services/">food business</a> owners worry about. A general liability policy can help cover medical payments and lawsuit expenses. Some businesses can also add <a href="/liquor-liability-insurance/">liquor liability</a> or <a href="/workers-compensation-insurance/">workers’ compensation</a> for more coverage.</p> <p><strong>Retail and e-commerce</strong></p> <p><a href="/general-liability-insurance/retail/">Retail business</a> owners can also benefit from the protection GL provides for customer injuries. NEXT policies also includes some protection for <a href="/product-liability-insurance/">product liability coverage</a>.</p> <p><strong>Fitness professionals</strong></p> <p>Personal trainers might need to be a policyholder for some professional certifications, and it can be required if they work at a gym.</p> <p><strong>Cleaning businesses</strong></p> <p>General liability business insurance can protect <a href="/general-liability-insurance/cleaners/">cleaners</a> from financial losses if they accidentally break or damage property at a job.</p> <p>If you want to rent commercial property you might also be required to have coverage as part of your commercial lease.</p></div></div></div><div role="question-3" data-cy="FAQQuestion-3" class="css-4rwwzd e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-3">Why is General Liability important?</h2><button aria-expanded="true" aria-label="Why is General Liability important?" class="css-v8s5na e1e1z7qj0"></button></div><div role="c-3" data-cy="questionContent-3" class="css-iunzcc e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>We’ve already looked at some of the important protections business liability insurance can offer after an accident.</p> <p>Now, let’s look at some benefits it can provide in your day-to-day (hopefully accident-free) operations.</p> <h3>It can help you get more jobs</h3> <p>Having business liability insurance shows clients that your business is trustworthy and that you will take responsibility for your mistakes. That’s why some business owners advertise that they are insured.</p> <p>It could give you a competitive advantage if a potential client has a choice between your business and another business that doesn’t have insurance.</p> <p>Many larger clients also require coverage before they’ll sign a contract with you.</p> <h3>It keeps your business in compliance</h3> <p>Some states and cities will only give you a business permit if you have an active general liability insurance policy and a <a href="/certificate-of-insurance/">certificate of insurance</a>.</p> <p>You might be required to keep your insurance active if your business is certified or accredited by a professional organization.</p> <h3>Your commercial lease might require it</h3> <p>Property owners may ask to see your certificate of insurance if you plan to lease commercial space.</p> <p>Business liability is often required because it shows you will have financial protection that can help cover expenses related to customer injuries at your leased space.</p> <h3>It lets you focus on growing your business</h3> <p>Business liability insurance can give you peace of mind.</p> <p>You can have protection if a client trips and falls or you accidentally damage a customer's expensive property.</p></div></div></div><style data-emotion="css tj8q2e">.css-tj8q2e{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 1);transition-duration:200ms;}.css-tj8q2e:hover{--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-tj8q2e{padding:3.125vw 3.125vw 3.125vw 4.167vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-tj8q2e{border-radius:36px;padding:2.778vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-tj8q2e{font-size:20px;}}</style><div role="question-4" data-cy="FAQQuestion-4" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-4">How much does General Liability insurance cost?</h2><style data-emotion="css 40h1vz">.css-40h1vz{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-width:1px;border-left-width:0px;border-top-width:0px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));transition-duration:300ms;--tw-content:'';content:var(--tw-content);}@media (min-width: 640px){.css-40h1vz{height:2vw;width:2vw;}}@media (min-width: 1024px){.css-40h1vz{height:1.389vw;width:1.389vw;}}</style><button aria-expanded="false" aria-label="How much does General Liability insurance cost?" class="css-40h1vz e1e1z7qj0"></button></div><style data-emotion="css 8ihxmv">.css-8ihxmv{max-height:0px;overflow:hidden;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:max-height,margin-top;transition-timing-function:cubic-bezier(0, 0, 0.2, 1);transition-duration:500ms;}@media (min-width: 640px){.css-8ihxmv{font-size:2.083vw;}}@media (min-width: 1024px){.css-8ihxmv{font-size:1.389vw;}}@media (min-width: 1920px){.css-8ihxmv{font-size:20px;}}</style><div role="c-4" data-cy="questionContent-4" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p><a href="/general-liability-insurance/cost/">General liability insurance costs</a> are different for each business. It can cost as little as $11 monthly for some low-risk businesses.</p> <p>Several factors influence the price you’ll pay for insurance, including:</p> <ul> <li>Your industry</li> <li>Your business operations</li> <li>The size of your business</li> <li>Where you do business</li> <li>Your business needs and how much coverage you want to purchase</li> <li>Policy limits</li> </ul> <p>Get a basic estimate of how much general liability can cost with our <a href="/general-liability-insurance/calculator/">general liability calculator</a>.</p></div></div></div><div role="question-5" data-cy="FAQQuestion-5" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-5">How do I get General Liability insurance?</h2><button aria-expanded="false" aria-label="How do I get General Liability insurance?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-5" data-cy="questionContent-5" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>You can get business insurance and your certificate of insurance in less than 10 minutes with NEXT’s easy online process.</p> <p>Start an instant general liability insurance quote to see options for your small business. Here’s how the process works:</p> <p>We’ll ask you some basic questions about your business and operations, including:</p> <ul> <li>Your industry</li> <li>Where you do business</li> <li>How many years you have owned the business</li> <li>Number of employees</li> <li>Expected annual revenue</li> <li>Recent insurance and claims history</li> </ul> <p>After that, you’ll have a customized insurance quote for general liability and other recommended coverage.</p> <p>If you like what you see, you can adjust the package limits and make your purchase.</p> <p>Your coverage will begin immediately after payment and you’ll have access to your certificate of insurance.</p> <p><a href="https://app.nextinsurance.com/quote/get-started">Start a free instant quote today</a>.</p></div></div></div><div role="question-6" data-cy="FAQQuestion-6" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-6">What other types of business insurance do I need?</h2><button aria-expanded="false" aria-label="What other types of business insurance do I need?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-6" data-cy="questionContent-6" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>General liability can provide important financial protection for your business after an accident, but it usually doesn’t protect businesses from all the risks they face.</p> <p>It's important to consider other types of coverage when exploring your business insurance options and deciding on your risk management plan. For example:</p> <p><strong>Other types of liability coverage</strong></p> <p><a href="/professional-liability-insurance/">Professional liability insurance</a> can help protect your business from losses after a professional mistake.</p> <p>Depending on your industry, you might also benefit from <a href="/product-liability-insurance/">product liability insurance</a> (retail) or <a href="/liquor-liability-insurance/">liquor liability insurance</a> (food service).</p> <p><strong>Workers’ compensation</strong></p> <p>Most states require workers’ compensation if you have employees. It can help cover medical expenses and lost wages after an employee’s workplace accident.</p> <p>Learn more about <a href="/workers-compensation-insurance/">workers’ compensation insurance</a>.</p> <p><strong>Commercial property insurance</strong></p> <p>This coverage can help pay for a replacement or repair for your business property. General liability only over property that doesn’t belong to you.</p> <p>Learn more about <a href="/commercial-property-insurance/">commercial property insurance</a>.</p></div></div></div><div role="question-7" data-cy="FAQQuestion-7" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-7">Compare General Liability insurance</h2><button aria-expanded="false" aria-label="Compare General Liability insurance" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-7" data-cy="questionContent-7" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>We’ll walk you through the differences and similarities between General Liability insurance and other types of business insurance policies to help you make the best choice for your business.</p> <ul> <li><a href="/comparison/general-liability-vs-professional-liability/">General Liability insurance vs Professional Liability</a></li> <li><a href="/comparison/general-liability-vs-business-owners-policy/">General Liability insurance vs Business Owner's Policy</a></li> <li><a href="/comparison/general-liability-vs-workers-compensation/">General Liability insurance vs Workers' Compensation</a></li> <li><a href="/comparison/commercial-property-vs-liability-insurance/">Liability insurance vs Commercial Property insurance</a></li> </ul> <ul> <li><a href="/comparison/"><strong>Compare other business insurance policies</strong></a></li> </ul></div></div></div><div role="question-8" data-cy="FAQQuestion-8" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-8">General Liability FAQ</h2><button aria-expanded="false" aria-label="General Liability FAQ" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-8" data-cy="questionContent-8" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>If you don’t find the answers you’re looking for, our licensed insurance advisors are standing by to help.</p> <h2>Is General Liability insurance required by law?</h2> <p>General liability insurance is often the first type of coverage purchased by new business owners, but it’s not typically required by law.</p> <p>However, some agencies might require coverage before issuing a professional license or permit. This is common in construction.</p> <p>Clients might also ask for proof of insurance before they will work with you.</p> <h2>What is the difference between Professional Liability and General Liability?</h2> <p>This question comes up a lot. That’s why we wrote a detailed overview of general liability vs. professional liability.</p> <p>Here’s a quick overview:</p> <p><a href="/professional-liability-insurance/">Professional liability insurance</a> and general liability insurance offer similar benefits but there is one major difference — professional liability insurance can help cover professional mistakes and accusations of neglect. It's often related to advice you provide to a client or customer, not accidents in the workplace.</p> <p>General liability insurance coverage can provide financial protection for accidents that are more physical, such as property damage and injuries involving people who are not your employees.</p> <p>Learn more about <a href="/comparison/general-liability-vs-professional-liability/">the difference between professional liability and general liability</a>.</p> <h2>What is General Liability aggregate?</h2> <p>General liability aggregate is a common insurance industry term you'll run into when exploring options for this coverage.</p> <p>It's the maximum amount of money an insurance company will pay out during your policy period, which is usually one year.</p> <p>If your business has expensive claims, you might hit your aggregate limit. In that case, you would be responsible for paying out of pocket to cover the remaining expenses.</p> <p>Note that the aggregate limit is different from the “per occurrence” limit, which is the maximum amount your policy pays out per claim within the term of your policy.</p> <p>For example, if you have a general aggregate liability limit of $300,000 and you’ve already made three claims in your policy term (usually a year) for $100,000 each, you’ve reached your aggregate limit and your insurance company won’t cover any additional claims.</p> <p>It’s important to know your aggregate limit when you purchase general liability insurance. If you exceed your limit during your policy term, you will be responsible for paying for any expenses out of pocket that exceed the limit.</p> <p>Learn more about <a href="/glossary/aggregate-limit-of-liability/">aggregate limit of liability</a>.</p> <h2>Does General Liability insurance cover property damage?</h2> <p>General liability insurance can cover expenses related to property damage, but only to property that does not belong to you.</p> <p><a href="/commercial-property-insurance/">Commercial property insurance</a> can help protect the physical items you need to operate your business:</p> <ul> <li>Inventory</li> <li>Business equipment</li> <li>Furniture and furnishings</li> <li>Physical structures.</li> </ul> <p>A <a href="/business-owners-policy/">business owner’s policy</a> (BOP insurance) combines general liability insurance and commercial property insurance into one package that is usually less expensive than buying the coverage separately.</p> <p>Learn more about <a href="/business-owners-policy/">BOP insurance</a>.</p> <h2>Does commercial General Liability insurance cover automobile liability?</h2> <p>General liability insurance does not cover automobile liability or any expenses related to business or personal driving.</p> <p><a href="/commercial-auto-insurance/">Commercial auto insurance</a> can help cover expenses If you drive for business reasons:</p> <ul> <li>Injuries if you are responsible for an accident</li> <li>Property damage to other people’s property</li> <li>Repairs for your vehicle</li> <li>Towing and rentals if your vehicle is damaged</li> </ul> <p>Learn more about <a href="/commercial-auto-insurance/">commercial auto coverage</a>.</p> <h2>Does commercial General Liability insurance cover theft?</h2> <p>General liability insurance doesn’t cover the theft of your own possessions but it might cover the theft of customer property.</p> <p>If you’re repairing a garage door for a homeowner and someone steals her bike while you’re out back, general liability could help pay for a replacement.</p> <p>But if any of your personal or business items are stolen, you won’t be covered without additional insurance.</p> <p>You can bundle <a href="/tools-and-equipment-insurance/">tools & equipment insurance</a> with your NEXT Insurance general liability coverage if you are a contractor or own a cleaning business.</p> <h2>Will General Liability insurance protect me if my tools get stolen?</h2> <p>If you’re a contractor or own a cleaning business, <a href="/tools-and-equipment-insurance/">tools & equipment insurance</a> can protect your belongings if they are damaged or stolen.</p> <p>Commercial general liability alone won’t provide tools and equipment coverage.</p> <p>You might consider adding tools and equipment coverage if you work frequently at different locations because it will provide financial protection for your equipment wherever you go.</p> <p>For example, if there’s a water leak at the new house you’re building and your power tools get soaked, your insurance could help pay for new tools.</p> <p>Learn more about <a href="/tools-and-equipment-insurance/">tools & equipment insurance</a>.</p> <h2>Does General Liability insurance cover employee injuries?</h2> <p>General liability insurance can help pay for expenses if your business is accused of causing an injury, but injuries to you or your employee are not included.</p> <p><a href="/workers-compensation-insurance/">Workers’ compensation insurance</a> can help pay for medical expenses and lost wages if an employee is hurt on the job.</p> <p>Most states legally require you to purchase coverage as soon as you hire an employee. It also provides benefits for business owners if they get hurt on the job if they purchase optional business owner’s coverage.</p> <p>Learn more about <a href="/workers-compensation-insurance/">workers’ compensation insurance</a>.</p> <h2>Is General Liability insurance tax deductible?</h2> <p>General liability insurance premiums can typically be deducted from your taxes. It’s important to consult with a licensed accounting professional to make sure you qualify.</p> <p>The <a href="https://www.irs.gov/publications/p535#en_US_2020_publink100078332" target="_blank">IRS</a> categorizes payments you make for this type of insurance to be both an “ordinary and necessary” business expense so be sure to keep a file of how much you pay every year for your policy.</p> <h2>How much General Liability insurance do I need?</h2> <p>Our small business insurance isn’t one-size-fits-all. Each business is unique and has different insurance needs.</p> <p>The coverage you need depends on several factors, including:</p> <ul> <li>The type of work you do</li> <li>How many employees and subcontractors you have</li> <li>The level of risk your company faces</li> <li>The state where you work</li> <li>When you complete an instant quote online with Next, you can review options and adjust limits to your preference.</li> </ul> <h2>When will I get my policy documents and proof of insurance?</h2> <p>With NEXT, it can take less than 10 minutes to purchase coverage and you’ll have instant access to policy documents and your <a href="/certificate-of-insurance/">certificate of insurance (COI)</a>.</p> <p>You can access your documents and COI 24/7 online or in the NEXT app for <a href="https://apps.apple.com/us/app/next-insurance/id1580721755">iPhone</a> or <a href="https://play.google.com/store/apps/details?id=com.nextinsurance">Android</a>.</p> <p>Learn more about our <a href="/certificate-of-insurance/">digital certificate of insurance</a>.</p> <h2>How do I make a General Liability insurance claim?</h2> <p>You can file a claim anytime and from anywhere online or in the NEXT app.</p> <p>You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions within 48 hours so you can get back to focusing on your work.</p> <p>Check out our <a href="/claim-page/">claims page for more details</a>.</p> <h2>How quickly are general liability claims resolved?</h2> <p>Often, claims decisions are made within 48 hours, although some claims require more time.</p> <p>The specific details of the claim, how bad the damage is, how many people are involved, the availability of information and other factors all contribute to the decision process.</p></div></div></div></div></div></div></div><div ni-selector="6-price_calculator_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="price-calculator"><style data-emotion="css 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Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-pm9r0c{font-size:3.646vw;}}@media (min-width: 1024px){.css-pm9r0c{font-size:1.944vw;}}@media (min-width: 1920px){.css-pm9r0c{font-size:28px;}}</style><h3 type="h3-titles-alpina-sm" class="text-center pt-3 css-pm9r0c e3r5m8y2">Get an estimate of your business insurance cost</h3><style data-emotion="css w06059">.css-w06059{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column-reverse;-ms-flex-direction:column-reverse;flex-direction:column-reverse;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 768px){.css-w06059{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}</style><div class="css-w06059 e1jrh9bs0"><style data-emotion="css qulis1">.css-qulis1{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}@media (min-width: 768px){.css-qulis1{margin-right:1.5rem;}}@media (min-width: 1280px){.css-qulis1{margin-right:2rem;width:32.5rem;}}</style><div class="css-qulis1 e70gd0q9"><h2 type="h2-titles-alpina-reg" class="pt-9 pb-9 css-83gwoi e3r5m8y3">Price calculator</h2><style data-emotion="css 3o1wuf">.css-3o1wuf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}@media (min-width: 1280px){.css-3o1wuf{width:32.5rem;}}</style><div class="css-3o1wuf e70gd0q7"><p type="body-text-sm" class="pt-4 pb-4 css-1j738ad e3r5m8y1">Where is your business located?</p><div class="price-calculator-field-state-selector "><div class="state-dropdown"><style data-emotion="css nk1i1k">.css-nk1i1k{position:relative;width:100%;}</style><div class="css-nk1i1k ep97eaz4"><style data-emotion="css u9ekx5">.css-u9ekx5{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:48px;}</style><div class="css-u9ekx5 ep97eaz6"><style data-emotion="css 1runo2h">.css-1runo2h{position:absolute;left:0.5rem;top:0.75rem;z-index:10;--tw-text-opacity:1;color:rgb(206 213 218 / var(--tw-text-opacity));}@media (min-width: 640px){.css-1runo2h{top:0.375rem;}}@media (min-width: 1024px){.css-1runo2h{left:0.5rem;top:0.75rem;}}</style><div class="css-1runo2h ep97eaz2"><img src="/img/dropdown/searchIcon.svg" alt="Search" loading="lazy"/></div><div class="relative w-full flex align-center text-input--filtered-dropdown state-filter " data-cy_ignore="false"><style data-emotion="css 1i0868y">.css-1i0868y{width:100%;border-radius:0.75rem;padding-left:1rem;padding-right:1rem;padding-top:0.75rem;padding-bottom:0.75rem;font-size:1rem;line-height:1.5rem;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));outline-style:solid;outline-color:#ced5da;outline-width:1px;padding-left:2.5rem;padding-right:2.5rem;}.css-1i0868y:focus{outline-color:#0075ff;}</style><input data-cy="state-input" role="price-calculator-state-dropdown" tabindex="1" id="price-calculator-state" type="text" autoComplete="off" placeholder="Search state" class="css-1i0868y ep97eaz3" value=""/></div><style data-emotion="css 1swbdnt">.css-1swbdnt{position:absolute;right:1.25rem;top:1.25rem;object-fit:contain;}</style><img src="/img/dropdown/arrow-down.png" alt="Dropdown Arrow Down" class="css-1swbdnt ep97eaz5"/></div></div></div></div></div><div class="css-3o1wuf e70gd0q5"><p type="body-text-sm" class="pt-4 pb-4 css-1j738ad e3r5m8y1">What do you do?</p><div class="price-calculator-field-cob-selector css-0 e70gd0q6"><style data-emotion="css 1d3w5wq">.css-1d3w5wq{width:100%;}</style><div class="css-1d3w5wq ea3x6rt0"><div class="mb-8 sm:mb-5 css-nk1i1k ep97eaz4"><div class="css-u9ekx5 ep97eaz6"><div class="css-1runo2h ep97eaz2"><img src="/img/dropdown/searchIcon.svg" alt="Search" loading="lazy"/></div><div class="relative w-full flex align-center text-input--filtered-dropdown algolia-search " data-cy_ignore="false"><input data-cy="cob-input" role="cob-input" tabindex="1" id="algolia-price-calculator" type="text" autoComplete="off" placeholder="Search profession" class="css-1i0868y ep97eaz3" value=""/></div><img src="/img/dropdown/arrow-down.png" alt="Dropdown Arrow Down" class="css-1swbdnt ep97eaz5"/></div></div></div></div></div><style data-emotion="css 1fufu5g">.css-1fufu5g{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:8rem;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;border-radius:1.5rem;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}@media (min-width: 1280px){.css-1fufu5g{height:8.813rem;width:32.5rem;}}</style><div class="css-1fufu5g e70gd0q4"><p type="body-text-sm" class="pt-5 pb-2 css-1j738ad e3r5m8y1">Coverage starting at</p><style data-emotion="css qc0kbn">.css-qc0kbn{padding-top:0.5rem;font-family:GT Alpina,sans-serif;font-size:2.25rem;line-height:102%;letter-spacing:-0.025em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-qc0kbn{font-size:2.375rem;}}@media (min-width: 1024px){.css-qc0kbn{font-size:4rem;}}</style><h3 class="opacity-10 css-qc0kbn e70gd0q0" data-cy="price-calculator-calculation-field-value">$00/mo</h3></div><style data-emotion="css s7l10o">.css-s7l10o{padding-top:0.75rem;padding-bottom:0.75rem;}@media (min-width: 768px){.css-s7l10o{padding-top:0.75rem;padding-bottom:0.75rem;}}@media (min-width: 1280px){.css-s7l10o{padding-top:2rem;padding-bottom:2rem;}}</style><div class="css-s7l10o e70gd0q3"><div data-cy="calc-cta-btn"><a target="_self" role="calc-cta-btn" href="https://track.nextinsurance.com/links?serial=90001"><style data-emotion="css 1r19nwb">.css-1r19nwb{cursor:pointer;white-space:nowrap;font-family:Graphik Web,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;--tw-bg-opacity:1;background-color:rgb(0 117 255 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));font-size:0.75rem;line-height:1rem;padding-left:1.25rem;padding-right:1.25rem;padding-top:0.5rem;padding-bottom:0.5rem;border-radius:9999px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 117 255 / var(--tw-border-opacity));}.css-1r19nwb:focus{outline:2px solid transparent;outline-offset:2px;}.css-1r19nwb:hover{--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}.css-1r19nwb:hover{--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 640px){.css-1r19nwb{font-size:1rem;line-height:1.5rem;}}@media (min-width: 1280px){.css-1r19nwb{font-size:1.167rem;}}@media (min-width: 640px){.css-1r19nwb{padding-left:1rem;padding-right:1rem;padding-top:0.5rem;padding-bottom:0.5rem;}}@media (min-width: 1280px){.css-1r19nwb{padding-left:2.5rem;padding-right:2.5rem;padding-top:0.75rem;padding-bottom:0.75rem;}}.css-1r19nwb:hover{--tw-border-opacity:1;border-color:rgb(0 215 255 / var(--tw-border-opacity));}</style><button class="group css-1r19nwb eb5jaud17"><span>Start Detailed Quote</span></button></a></div><style data-emotion="css 6wilwp">.css-6wilwp{padding-bottom:1.75rem;padding-top:1.25rem;font-family:Graphik Web,sans-serif;font-size:0.75rem;line-height:102%;letter-spacing:-0.025em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div data-cy-eyes="ignore" class="css-6wilwp e70gd0q1">This is the minimum cost of general liability coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.</div></div></div><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png" alt="price_calculator" loading="eager" fetchpriority="auto"/></picture></div></div></div><div ni-selector="7-links_list_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="links-list"><style data-emotion="css 1mpu1u0">.css-1mpu1u0{--tw-bg-opacity:1;background-color:rgb(255 255 215 / var(--tw-bg-opacity));}</style><div class="css-1mpu1u0 e3uz3k84"><style data-emotion="css 1cwetbc">.css-1cwetbc{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:3.889vw;column-gap:3.889vw;padding-top:5.556vw;padding-bottom:5.556vw;padding-left:5.556vw;padding-right:0.1vw;}@media (max-width: 639px){.css-1cwetbc{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:8.533vw 4.2666666667vw;text-align:center;}}@media (min-width: 640px) and (max-width: 1023px){.css-1cwetbc{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:2.344vw;padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;text-align:center;}}@media (min-width: 1920px){.css-1cwetbc{margin-left:auto;margin-right:auto;width:1700px;-webkit-column-gap:3rem;column-gap:3rem;padding-left:1rem;padding-right:1rem;}}</style><div class="css-1cwetbc e3uz3k83"><style data-emotion="css 1atdix">.css-1atdix{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:39%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:1.667vw;}@media (max-width: 639px){.css-1atdix{width:100%;row-gap:3.200vw;text-align:center;}}@media (min-width: 640px) and (max-width: 1023px){.css-1atdix{margin-left:auto;margin-right:auto;margin-bottom:3.125vw;width:100%;row-gap:2.344vw;text-align:center;}}@media (min-width: 1280px){.css-1atdix{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}}@media (min-width: 1920px){.css-1atdix{width:436px;}}</style><div class="css-1atdix e3uz3k82"><h2 type="h2-titles-alpina-md" role="LinksListModuleTitle" class="css-83gwoi e3r5m8y3">Get customized insurance wherever you do business</h2><div type="body-text-sm" class="css-1j738ad e3r5m8y0"><div class="css-1vhugkq eta8xj40"><p>Learn more about general liability insurance options in the state where you work.</p> </div></div></div><style data-emotion="css 1va6ild">.css-1va6ild{margin-top:0.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}@media (max-width: 639px){.css-1va6ild{margin-top:2rem;}}@media (min-width: 640px) and (max-width: 1023px){.css-1va6ild{margin-left:auto;margin-right:auto;margin-top:0rem;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}}@media (min-width: 1280px){.css-1va6ild{-webkit-flex:2;-ms-flex:2;flex:2;-webkit-column-gap:1.667vw;column-gap:1.667vw;}}@media (min-width: 1920px){.css-1va6ild{-webkit-column-gap:2.5rem;column-gap:2.5rem;}}@media (max-width: 639px){.css-1va6ild{display:grid;grid-template-columns:repeat(2, 1fr);}}</style><div data-cy="links-list-links-container" class="css-1va6ild e3uz3k81"><style data-emotion="css 5hush1">.css-5hush1{width:22%;cursor:pointer;text-align:left;font-size:1.250vw;line-height:140%;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (max-width: 639px){.css-5hush1{width:100%;-webkit-column-gap:6rem;column-gap:6rem;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-5hush1{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:21.354vw;font-size:2.083vw;}}@media (min-width: 1920px){.css-5hush1{width:168px;font-size:18px;}}.css-5hush1 >a{font-family:Graphik,sans-serif;text-rendering:geometricPrecision;letter-spacing:0;text-transform:capitalize;}</style><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Alabama" href="https://www.nextinsurance.com/general-liability-insurance/alabama/">Alabama</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-California" href="https://www.nextinsurance.com/general-liability-insurance/california/">California</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Colorado" href="https://www.nextinsurance.com/general-liability-insurance/colorado/">Colorado</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Florida" href="https://www.nextinsurance.com/general-liability-insurance/florida/">Florida</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Georgia" href="https://www.nextinsurance.com/general-liability-insurance/georgia/">Georgia</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Illinois" href="https://www.nextinsurance.com/general-liability-insurance/illinois/">Illinois</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Louisiana" href="https://www.nextinsurance.com/general-liability-insurance/louisiana/">Louisiana</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Michigan" href="https://www.nextinsurance.com/general-liability-insurance/michigan/">Michigan</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-New Jersey" href="https://www.nextinsurance.com/general-liability-insurance/new-jersey/">New Jersey</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-North Carolina" href="https://www.nextinsurance.com/general-liability-insurance/north-carolina/">North Carolina</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Oregon" href="https://www.nextinsurance.com/general-liability-insurance/oregon/">Oregon</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Pennsylvania" href="https://www.nextinsurance.com/general-liability-insurance/pennsylvania/">Pennsylvania</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Tennessee" href="https://www.nextinsurance.com/general-liability-insurance/tennessee/">Tennessee</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Texas" href="https://www.nextinsurance.com/general-liability-insurance/texas/">Texas</a></div></div></div></div></div><div ni-selector="8-article_content_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="article-content"><style data-emotion="css 1lehp7z">.css-1lehp7z{margin-bottom:3.200vw;margin-top:6.400vw;}@media (min-width: 640px){.css-1lehp7z{margin-bottom:3.906vw;margin-top:7.813vw;}}@media (min-width: 1024px){.css-1lehp7z{margin-bottom:1.389vw;margin-top:2.778vw;}}@media (min-width: 1920px){.css-1lehp7z{margin-bottom:40px;margin-top:80px;}}</style><div data-cy="ArticleContentContainer" class="css-1lehp7z efbun6r5"><style data-emotion="css 7wvevn">.css-7wvevn{position:relative;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;row-gap:1.5rem;}</style><div data-cy-eyes="ignore" class="css-7wvevn efbun6r4"><style data-emotion="css 1cpvli6">.css-1cpvli6{margin-bottom:2.133vw;width:100%;padding-left:4.266666666666667vw;padding-right:4.266666666666667vw;text-align:center;text-align:left;}@media (min-width: 640px){.css-1cpvli6{margin-bottom:2.604vw;width:100%;padding-left:7.813vw;padding-right:7.813vw;}}@media (min-width: 768px){.css-1cpvli6{width:62.630vw;}}@media (min-width: 1024px){.css-1cpvli6{margin-bottom:2.500vw;width:51.181vw;padding-left:0;padding-right:0;}}@media (min-width: 1536px){.css-1cpvli6{width:60rem;}}@media (min-width: 1920px){.css-1cpvli6{margin-bottom:36px;}}</style><div class="css-1cpvli6 efbun6r3"><h2 type="h2-titles-alpina-md" role="articleModuleTitle" class="css-83gwoi e3r5m8y3">Learn more about general liability insurance</h2></div><style data-emotion="css 1yqcahe">.css-1yqcahe{-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;-webkit-column-gap:2rem;column-gap:2rem;}@media (min-width: 640px) and (max-width: 1023px){.css-1yqcahe{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding-left:0px;}}</style><div class="css-1yqcahe efbun6r2"><style data-emotion="css irprje">.css-irprje{padding-left:4.267vw;padding-right:4.267vw;}@media (min-width: 640px){.css-irprje{width:62.762vw;}}@media (min-width: 768px){.css-irprje{width:100%;padding-left:7vw;padding-right:7vw;}}@media (min-width: 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tr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}.css-irprje table.wrap-two-column tr td,.css-irprje table.wrap-two-column tr th{display:inline-block;-webkit-flex-basis:50%;-ms-flex-preferred-size:50%;flex-basis:50%;}.css-irprje table.wrap-two-column td:nth-of-type(odd){padding-left:0;}.css-irprje table.wrap-two-column td:nth-of-type(even){padding-right:0;}}</style><div role="articleContentText" class="css-irprje efbun6r1"><ul> <li><a href="https://www.nextinsurance.com/business-insurance/edu/types-of-liability-insurance/">Types of liability insurance</a></li> <li><a href="/general-liability-insurance/edu/short-term-liability-insurance/">Short term liability insurance</a></li> <li><a href="/general-liability-insurance/edu/premises-liability/">Premises liability insurance</a></li> <li><a href="https://www.nextinsurance.com/general-liability-insurance/cost/">General liability insurance costs</a></li> <li><a href="/general-liability-insurance/edu/claims-examples/">General liability claims examples</a></li> <li><a href="/general-liability-insurance/edu/class-codes/">General liability class codes</a></li> </ul> </div></div></div></div></div><div ni-selector="10-automatic_reviews_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="10-automatic-reviews"><style data-emotion="css i4xpba">.css-i4xpba{margin-top:5.5vw;margin-bottom:5.5vw;}</style><div data-cy="automatic-reviews-module" class="css-i4xpba e17evadf7"><style data-emotion="css 15zvzb8">.css-15zvzb8{margin-left:auto;margin-right:auto;margin-bottom:6.4vw;width:87vw;text-align:center;}@media (min-width: 640px){.css-15zvzb8{margin-bottom:2.6vw;width:57vw;}}@media (min-width: 1024px){.css-15zvzb8{margin-bottom:4vw;width:63.7vw;}}@media (min-width: 1920px){.css-15zvzb8{margin-bottom:32px;}}</style><div data-cy="automatic-reviews-title" class="css-15zvzb8 e17evadf3"><h2 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role="review-1-title" class="css-n4hn2i epeutwc5">Small business insurance</p><div class="css-0 epeutwc0"><p role="review-1-content" class="css-10x4rw1 epeutwc4">I thought next was easy to use, great rates and outstanding follow-up.</p></div></div><div class="css-0 epeutwc1"><p role="review-1-reviewer-name" class="css-kz0a78 epeutwc3">Taylor M.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" 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1tpx111">.css-1tpx111{margin-left:2.8vw;margin-right:2.8vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:118.1vw;width:85.1vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;border-radius:3.2vw;border-width:2px;padding:3vw;padding-bottom:8vw;padding-top:10vw;border-color:#AC00E7;}@media (min-width: 640px){.css-1tpx111{margin-left:1.3vw;margin-right:1.3vw;height:60.8vw;width:40.9vw;border-radius:1.37vw;padding:2.7vw;padding-bottom:6.6vw;}}@media (min-width: 1024px){.css-1tpx111{margin-left:.7vw;margin-right:.7vw;height:34.25vw;width:22.2vw;border-radius:0.73vw;padding:1.46vw;}}@media (max-width: 639px){.css-1tpx111{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;text-align:center;}}@media (min-width: 640px) and (max-width: 1023px){.css-1tpx111{border-width:1px;}}@media (min-width: 1920px){.css-1tpx111{height:587px;width:380px;padding:24px;}}</style><div role="review-2" data-cy="review-card" data-cy-eyes="ignore" class="css-1tpx111 epeutwc6"><div class="css-25dc9j epeutwc2"><svg width="50" height="26" viewBox="0 0 35 26" fill="none" xmlns="http://www.w3.org/2000/svg" class="mobile:mx-auto css-0 e15588ht1"><path d="M15.1904 0.252808C5.47301 0.252808 0 6.21289 0 15.0968C0 21.7316 3.01574 25.6675 8.26536 25.6675C12.1747 25.6675 14.967 22.9686 14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#AC00E7" class="css-0 e15588ht0"></path></svg><p role="review-2-title" class="css-n4hn2i epeutwc5">Small start up</p><div class="css-0 epeutwc0"><p role="review-2-content" class="css-10x4rw1 epeutwc4">Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.</p></div></div><div class="css-0 epeutwc1"><p role="review-2-reviewer-name" class="css-kz0a78 epeutwc3">Deborah H.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path 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14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#00d7ff" class="css-0 e15588ht0"></path></svg><p role="review-3-title" class="css-n4hn2i epeutwc5">Easy to use</p><div class="css-0 epeutwc0"><p role="review-3-content" class="css-10x4rw1 epeutwc4">Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.</p></div></div><div class="css-0 epeutwc1"><p role="review-3-reviewer-name" class="css-kz0a78 epeutwc3">Myles C.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" 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14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF32A0" class="css-0 e15588ht0"></path></svg><p role="review-4-title" class="css-n4hn2i epeutwc5">Great!</p><div class="css-0 epeutwc0"><p role="review-4-content" class="css-10x4rw1 epeutwc4">Hassle free and great to work with. Affordable.</p></div></div><div class="css-0 epeutwc1"><p role="review-4-reviewer-name" class="css-kz0a78 epeutwc3">Anthony G.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" stroke-width="1.09809" 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0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF4100" class="css-0 e15588ht0"></path></svg><p role="review-5-title" class="css-n4hn2i epeutwc5">Peace of mind</p><div class="css-0 epeutwc0"><p role="review-5-content" class="css-10x4rw1 epeutwc4">easy to apply and and customer service is very responsive</p></div></div><div class="css-0 epeutwc1"><p role="review-5-reviewer-name" class="css-kz0a78 epeutwc3">Darrell W.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" 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data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" stroke-width="1.09809" stroke-miterlimit="10" style="fill:url(#grad-wholegold)" d="M16.1541 10.0253H24.5275L17.76 14.9815L20.3217 23.0354L13.5542 18.0792L6.78669 23.0354L9.38664 14.9815L2.61914 10.0253H10.9925L13.5542 1.97144L16.1541 10.0253Z"></path></svg></div></div></div><div role="review-6" data-cy="review-card" data-cy-eyes="ignore" class="css-1tjvu4t epeutwc6"><div class="css-25dc9j epeutwc2"><svg width="50" height="26" viewBox="0 0 35 26" fill="none" xmlns="http://www.w3.org/2000/svg" class="mobile:mx-auto css-0 e15588ht1"><path d="M15.1904 0.252808C5.47301 0.252808 0 6.21289 0 15.0968C0 21.7316 3.01574 25.6675 8.26536 25.6675C12.1747 25.6675 14.967 22.9686 14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#009E73" class="css-0 e15588ht0"></path></svg><p role="review-6-title" class="css-n4hn2i epeutwc5">Easy & affordable</p><div class="css-0 epeutwc0"><p role="review-6-content" class="css-10x4rw1 epeutwc4">This company makes the process very easy & affordable. Thank you for this service!!</p></div></div><div class="css-0 epeutwc1"><p role="review-6-reviewer-name" class="css-kz0a78 epeutwc3">Ronald M.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" 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4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#AC00E7" class="css-0 e15588ht0"></path></svg><p role="review-7-title" class="css-n4hn2i epeutwc5">Easy to sign up and has what I need.</p><div class="css-0 epeutwc0"><p role="review-7-content" class="css-10x4rw1 epeutwc4">Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.</p></div></div><div class="css-0 epeutwc1"><p role="review-7-reviewer-name" class="css-kz0a78 epeutwc3">Annick L.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" 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4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#00d7ff" class="css-0 e15588ht0"></path></svg><p role="review-8-title" class="css-n4hn2i epeutwc5">The best service.</p><div class="css-0 epeutwc0"><p role="review-8-content" class="css-10x4rw1 epeutwc4">Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others</p></div></div><div class="css-0 epeutwc1"><p role="review-8-reviewer-name" class="css-kz0a78 epeutwc3">JOEL C.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" 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4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF32A0" class="css-0 e15588ht0"></path></svg><p role="review-9-title" class="css-n4hn2i epeutwc5">Blown away</p><div class="css-0 epeutwc0"><p role="review-9-content" class="css-10x4rw1 epeutwc4">Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy</p></div></div><div class="css-0 epeutwc1"><p role="review-9-reviewer-name" class="css-kz0a78 epeutwc3">Raaf C.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" 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class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-blue-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-blue-orange.png" role="step-image" alt="Business insurance in less than 10 minutes" loading="eager" fetchpriority="auto"/></picture><style data-emotion="css 1ic5swl">.css-1ic5swl{margin-top:0px;width:80%;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1ic5swl{font-size:2.083vw;}}@media (min-width: 1024px){.css-1ic5swl{font-size:1.389vw;}}@media (max-width: 639px){.css-1ic5swl{margin-top:1vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ic5swl{width:100%;}}@media (min-width: 1920px){.css-1ic5swl{font-size:20px;}}</style><p role="step-text" class="css-1ic5swl e1eatrrb1">Get insurance in less than 10 minutes and you can save up to 25% in discounts*</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-2.png" role="step-image" alt="Tailored business insurance" loading="eager" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Unique, flexible coverage with easy monthly payments</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/laptop-blue-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/laptop-blue-orange.png" role="step-image" alt="Get business insurance online" loading="eager" 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768px){.css-1oejchm{height:var(--mdInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}@media (min-width: 1280px){.css-1oejchm{height:var(--xlInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}@media (min-width: 1920px){.css-1oejchm{height:var(--3xlInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}</style><div class="css-1oejchm e1edndzz6"><style data-emotion="css 19495ma">.css-19495ma{position:static;margin-top:-6vh;display:inline-block;height:100%;width:100%;}@media (min-width: 640px){.css-19495ma{position:absolute;left:var(--smImageLeftPosition);top:var(--smImageTopPosition);margin-top:0px;display:block;height:var(--smImageSize);width:var(--smImageSize);}}@media (min-width: 768px){.css-19495ma{position:absolute;left:var(--mdImageLeftPosition);top:var(--mdImageTopPosition);margin-top:0px;display:block;height:var(--mdImageSize);width:var(--mdImageSize);}}@media (min-width: 1280px){.css-19495ma{position:absolute;left:var(--xlImageLeftPosition);top:var(--xlImageTopPosition);margin-top:0px;display:block;height:var(--xlImageSize);width:var(--xlImageSize);}}@media (min-width: 1920px){.css-19495ma{position:absolute;left:var(--3xlImageLeftPosition);top:var(--3xlImageTopPosition);margin-top:0px;display:block;height:var(--3xlImageSize);width:var(--3xlImageSize);}}</style><div class="css-19495ma e1edndzz5"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png" role="coiImage" alt="Next Insurance, small business insurance" loading="eager" fetchpriority="auto"/></picture></div><style data-emotion="css r1fjic">.css-r1fjic{padding-bottom:1rem;}@media (min-width: 640px){.css-r1fjic{height:var(--smInnerContainerHeight);padding-bottom:0px;padding-left:var(--smLeftDistanceFromContent);}}@media (min-width: 768px){.css-r1fjic{height:var(--mdInnerContainerHeight);padding-bottom:0px;padding-left:var(--mdLeftDistanceFromContent);}}@media (min-width: 1280px){.css-r1fjic{height:var(--xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--xlLeftDistanceFromContent);}}@media (min-width: 1920px){.css-r1fjic{margin-left:3vw;height:var(--3xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--3xlLeftDistanceFromContent);}}</style><div class="css-r1fjic e1edndzz4"><style data-emotion="css mla2hv">.css-mla2hv{font-family:GT Alpina,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));padding-left:0.5rem;padding-right:0.5rem;text-align:center;font-size:10vw;line-height:11vw;}@media (min-width: 640px){.css-mla2hv{padding-left:0px;padding-right:3vw;padding-top:2vw;text-align:left;font-size:4.5vw;line-height:1;}}@media (min-width: 768px){.css-mla2hv{padding-right:10vw;padding-top:2.5vw;font-size:4.7vw;}}@media (min-width: 1024px){.css-mla2hv{font-size:4.5vw;}}@media (min-width: 1280px){.css-mla2hv{padding-top:3vw;font-size:4.5vw;}}@media (min-width: 1536px){.css-mla2hv{padding-right:15vw;padding-top:3vw;font-size:4.1vw;}}@media (min-width: 1920px){.css-mla2hv{padding-right:70px;padding-top:50px;font-size:80px;}}</style><div role="coiTitle" class="css-mla2hv e1edndzz3">Coverage on-the-go for policyholders</div><style data-emotion="css nu3i23">.css-nu3i23{font-family:Graphik Web,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / 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 policies, send and create certificates of insurance, or file a claim with our app.</div></div><style data-emotion="css 5ivtmu">.css-5ivtmu{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;padding-left:0.5rem;padding-right:0.5rem;padding-top:1.25rem;}@media (min-width: 640px){.css-5ivtmu{margin-right:1vw;margin-top:2.5vw;width:35vw;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:0px;padding-right:0px;padding-top:0px;}}@media (min-width: 768px){.css-5ivtmu{margin-top:2.3vw;width:30vw;}}@media (min-width: 1024px){.css-5ivtmu{margin-top:3vw;}}@media (min-width: 1280px){.css-5ivtmu{margin-top:3vw;width:30vw;}}@media (min-width: 1536px){.css-5ivtmu{margin-top:3vw;width:25vw;}}@media (min-width: 1920px){.css-5ivtmu{margin-top:60px;width:500px;}}</style><div class="css-5ivtmu e1edndzz0"><style data-emotion="css gqfhor">.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 640px){.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;row-gap:0px;}}</style><div class="css-gqfhor efb2vk0"><a data-cy="appleStoreLink" href="https://apps.apple.com/us/app/next-insurance/id1580721755"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/AppStore.svg" alt="Download from app store" class="tablet:h-12" loading="eager" fetchpriority="auto"/></picture></a><a data-cy="googlePlayLink" href="https://play.google.com/store/apps/details?id=com.nextinsurance"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/GooglePlay.svg" alt="Download from google play" class="tablet:h-12" loading="eager" fetchpriority="auto"/></picture></a></div></div></div></div></div></div></div></div></div><div ni-selector="13-lob_cards_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="lob-cards"><style data-emotion="css 16ff19z">.css-16ff19z{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;padding-left:4.266vw;padding-right:4.266vw;padding-top:8.533vw;padding-bottom:8.533vw;}@media (min-width: 640px){.css-16ff19z{padding-left:2rem;padding-right:2rem;padding-top:5.208vw;padding-bottom:5.208vw;}}@media (min-width: 1024px){.css-16ff19z{padding-top:5.555vw;padding-bottom:5.555vw;}}@media (min-width: 1536px){.css-16ff19z{width:1700px;padding-top:80px;padding-bottom:80px;}}</style><div class="css-16ff19z e19plrtj4"><style data-emotion="css 8vejte">.css-8vejte{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:1.5rem;}@media (min-width: 640px){.css-8vejte{row-gap:2rem;}}@media (min-width: 1024px){.css-8vejte{width:52vw;}}@media (min-width: 1280px){.css-8vejte{row-gap:3rem;}}@media (min-width: 1536px){.css-8vejte{width:45vw;}}@media (min-width: 1920px){.css-8vejte{width:950px;}}</style><div class="css-8vejte e19plrtj3"><style data-emotion="css svp3zm">.css-svp3zm{text-align:center;font-family:GT Alpina,sans-serif;font-size:5.866vw;font-weight:400;line-height:102%;letter-spacing:-0.176vw;}@media (min-width: 640px){.css-svp3zm{font-size:4.166vw;letter-spacing:-0.085vw;}}@media (min-width: 1024px){.css-svp3zm{font-size:64px;letter-spacing:-0.045vw;}}@media (min-width: 1536px){.css-svp3zm{letter-spacing:-0.66px;}}</style><div class="css-svp3zm e19plrtj2">Let’s find the coverage you need for your business</div><style data-emotion="css 1id6edl">.css-1id6edl{text-align:center;font-family:Graphik Web,sans-serif;font-size:4.266vw;font-weight:400;line-height:115%;letter-spacing:-0.042vw;}@media (min-width: 640px){.css-1id6edl{font-size:2.343vw;letter-spacing:-0.023vw;}}@media (min-width: 1024px){.css-1id6edl{font-size:1.527vw;letter-spacing:-0.015vw;}}@media (min-width: 1536px){.css-1id6edl{font-size:22px;letter-spacing:-0.22px;}}</style><div class="css-1id6edl e19plrtj0">Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.</div></div><style data-emotion="css axpily">.css-axpily{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding-top:1.5rem;}@media (min-width: 640px){.css-axpily{-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;-webkit-column-gap:2vw;column-gap:2vw;}}@media (min-width: 1024px){.css-axpily{-webkit-column-gap:1vw;column-gap:1vw;padding-bottom:3rem;padding-top:3rem;}}</style><div class="css-axpily e19plrtj1"><style data-emotion="css kybglb">.css-kybglb{margin-bottom:6.4vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:auto;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;border-radius:0.5rem;border-width:1px;--tw-border-opacity:1;border-color:rgb(209 211 212 / var(--tw-border-opacity));padding:3.2vw 3.2vw 6.4vw;}@media (min-width: 640px){.css-kybglb{margin-bottom:2.604vw;width:44.27vw;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding:2.083vw 2.083vw 3.125vw;}}@media (min-width: 1024px){.css-kybglb{margin-bottom:0.833vw;width:19.688vw;border-radius:0.75rem;padding:1.388vw 1.388vw 2.222vw;}}@media (min-width: 1920px){.css-kybglb{margin-bottom:12px;width:388px;padding-left:20px 20px 32px;padding-right:20px 20px 32px;}}</style><div class="css-kybglb ej4eix26"><style data-emotion="css 1uqladh">.css-1uqladh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1uqladh{height:18.619vw;}}@media (min-width: 1024px){.css-1uqladh{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1uqladh{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1uqladh{height:143px;}}</style><div class="css-1uqladh ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3.png" alt="General Liability insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><style data-emotion="css s6bshl">.css-s6bshl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}</style><div class="css-s6bshl ej4eix23"><style data-emotion="css mfl8nj">.css-mfl8nj{-webkit-align-self:flex-start;-ms-flex-item-align:flex-start;align-self:flex-start;}@media (min-width: 640px){.css-mfl8nj{padding-left:0.25rem;padding-right:0.25rem;padding-top:0.25rem;padding-bottom:0.25rem;}}@media (min-width: 768px){.css-mfl8nj{padding-top:0.5rem;padding-bottom:0.5rem;}}@media (min-width: 1024px){.css-mfl8nj{--tw-translate-y:-0.5rem;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));padding-top:0.25rem;padding-bottom:0.25rem;}}@media (min-width: 1280px){.css-mfl8nj{padding-top:0.5rem;padding-bottom:0.5rem;}}</style><div class="css-mfl8nj ej4eix24"><style data-emotion="css zjfrvp">.css-zjfrvp{padding-top:4.267vw;font-family:GT Alpina,sans-serif;font-size:5.867vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-zjfrvp{padding-top:2.083vw;font-size:2.865vw;}}@media (min-width: 1024px){.css-zjfrvp{padding-top:1.111vw;font-size:1.528vw;}}@media (min-width: 1536px){.css-zjfrvp{padding-top:16px;}}@media (min-width: 1920px){.css-zjfrvp{font-size:22px;}}</style><div role="lobTitle" class="css-zjfrvp ej4eix22">General Liability</div></div><style data-emotion="css e6n0o8">.css-e6n0o8{padding-top:2.933vw;padding-bottom:2.933vw;font-family:Graphik Web,sans-serif;font-size:4.266vw;font-weight:400;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-e6n0o8{padding-top:1.432vw;padding-bottom:1.432vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-e6n0o8{padding-top:0px;font-size:1.111vw;}}@media (min-width: 1920px){.css-e6n0o8{font-size:16px;}}</style><div class="css-e6n0o8 ej4eix21">Protect yourself from accidents that cause physical injury or damaged property.</div><style data-emotion="css 8ymnw4">.css-8ymnw4{margin-top:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;cursor:pointer;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;border-radius:50px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 0 0 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding-left:2.5rem;padding-right:2.5rem;padding-top:0.75rem;padding-bottom:0.75rem;font-size:18.72px;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;}.css-8ymnw4:hover{--tw-bg-opacity:1;background-color:rgb(0 0 0 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));}@media (min-width: 640px){.css-8ymnw4{width:50%;padding-left:1rem;padding-right:1rem;padding-top:0.5rem;padding-bottom:0.5rem;font-size:0.875rem;}}@media (min-width: 768px){.css-8ymnw4{width:76%;font-size:1.2rem;}}@media (min-width: 1280px){.css-8ymnw4{padding-left:2rem;padding-right:2rem;padding-top:0.75rem;padding-bottom:0.75rem;}}</style><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/general-liability-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css d2htz2">.css-d2htz2{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-d2htz2{height:18.619vw;}}@media (min-width: 1024px){.css-d2htz2{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-d2htz2{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-d2htz2{height:143px;}}</style><div class="css-d2htz2 ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1.png" alt="Professional Liability or Error and Omissions Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Professional Liability/E&O</div></div><div class="css-e6n0o8 ej4eix21">Shield yourself from lawsuits that claim your work errors caused financial losses.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/errors-and-omissions-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1ijj52p">.css-1ijj52p{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(255 50 160 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1ijj52p{height:18.619vw;}}@media (min-width: 1024px){.css-1ijj52p{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ijj52p{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1ijj52p{height:143px;}}</style><div class="css-1ijj52p ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png" alt="Workers' Compensation Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Workers’ Compensation</div></div><div class="css-e6n0o8 ej4eix21">Cover medical bills and lost wages if your employees have an accident at work.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/workers-compensation-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 114nkkz">.css-114nkkz{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(255 65 0 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-114nkkz{height:18.619vw;}}@media (min-width: 1024px){.css-114nkkz{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-114nkkz{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-114nkkz{height:143px;}}</style><div class="css-114nkkz ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png" alt="Commercial Auto Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Commercial Auto</div></div><div class="css-e6n0o8 ej4eix21">Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/commercial-auto-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1acyvz8">.css-1acyvz8{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(220 240 0 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1acyvz8{height:18.619vw;}}@media (min-width: 1024px){.css-1acyvz8{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1acyvz8{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1acyvz8{height:143px;}}</style><div class="css-1acyvz8 ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png" alt="Tools & Equipment Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Tools & Equipment</div></div><div class="css-e6n0o8 ej4eix21">Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/tools-and-equipment-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1lh82uf">.css-1lh82uf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(172 0 231 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1lh82uf{height:18.619vw;}}@media (min-width: 1024px){.css-1lh82uf{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1lh82uf{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1lh82uf{height:143px;}}</style><div class="css-1lh82uf ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png" alt="Commercial Property Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Commercial Property</div></div><div class="css-e6n0o8 ej4eix21">Keep your building, inventory and equipment protected from fire or water damage.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/commercial-property-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css qp5tj9">.css-qp5tj9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(237 145 0 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-qp5tj9{height:18.619vw;}}@media (min-width: 1024px){.css-qp5tj9{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-qp5tj9{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-qp5tj9{height:143px;}}</style><div class="css-qp5tj9 ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-business-owner-policy-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-business-owner-policy-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-business-owner-policy-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-business-owner-policy-black-white-2.png" alt="Business Owner’s Policy Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="eager" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Business Owner’s Policy</div></div><div class="css-e6n0o8 ej4eix21">Combine general liability and commercial property into one policy to protect your business.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/business-owners-policy/">Learn More</a></div></div></div></div></div></div><div ni-selector="14-disclaimer_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="disclaimer"><style data-emotion="css adcvg6">.css-adcvg6{margin:auto;-webkit-align-self:auto;-ms-flex-item-align:auto;align-self:auto;overflow-wrap:break-word;padding:30px;}@media (min-width: 1280px){.css-adcvg6{width:1000px;}}</style><div class="css-adcvg6 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This is called \u0026ldquo;\u003ca href=\"/glossary/bodily-injury-coverage/\"\u003ebodily injury\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/\"\u003eGeneral liability insurance coverage\u003c/a\u003e can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.\u003c/p\u003e\r\n\u003cp\u003eAnd if you\u0026rsquo;re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s one of the most frequently purchased \u003ca href=\"/business-insurance/\"\u003etypes of business insurance\u003c/a\u003e by small business owners because of the broad protection it offers.\u003c/p\u003e\r\n\u003cp\u003eThis type of coverage is also sometimes called \u0026ldquo;business liability insurance,\u0026rdquo; \u0026ldquo;commercial general liability (CGL),\u0026rdquo; \u0026ldquo;public liability\u0026rdquo; or \u0026ldquo;liability insurance.\u0026rdquo; For the sake of simplicity, we\u0026rsquo;ll just call it general liability in the details below.\u003c/p\u003e"},{"post_title":"What does General Liability cover?","post_content":"\u003cp\u003eGeneral liability insurance coverage can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInjuries to people who are not your employees (bodily injury)\u003c/li\u003e\r\n \u003cli\u003eDamage to another person\u0026rsquo;s property (property damage)\u003c/li\u003e\r\n \u003cli\u003eCourt and legal fees\u003c/li\u003e\r\n \u003cli\u003eMedical payments\u003c/li\u003e\r\n \u003cli\u003eAdvertising harm\u003c/li\u003e\r\n \u003cli\u003eAccusations of libel or slander (personal injury or reputational harm)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eIf you're involved with any of these business risks, our \u003ca href=\"/general-liability-insurance/edu/claims-examples/\"\u003egeneral liability claims\u003c/a\u003e process could provide financial help if it is a covered event.\u003c/p\u003e\r\n\u003cp\u003eLearn more about what \u003ca href=\"/general-liability-insurance/\"\u003egeneral liability covers\u003c/a\u003e.\u003c/p\u003e"},{"post_title":"Who needs General Liability insurance coverage?","post_content":"\u003cp\u003eGeneral liability is included in many business insurance packages because it can help cover the risks that many small business owners face every day.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.\u003c/p\u003e\r\n\u003cp\u003eHere are some examples of how different types of businesses are protected from liability risks with a commercial general liability insurance policy:\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eConstruction trades\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/contractors/\"\u003eArtisan contractors\u003c/a\u003e and other \u003ca href=\"/general-liability-insurance/construction/\"\u003econstruction professionals\u003c/a\u003e are often required to have general liability insurance to get professional licenses or work on certain jobs. That\u0026rsquo;s because there\u0026rsquo;s a risk of injury to other people and property damage in the work they do.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eRestaurants and food service\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eSlip-and-fall accidents are a risk that \u003ca href=\"/general-liability-insurance/food-services/\"\u003efood business\u003c/a\u003e owners worry about. A general liability policy can help cover medical payments and lawsuit expenses. Some businesses can also add \u003ca href=\"/liquor-liability-insurance/\"\u003eliquor liability\u003c/a\u003e or \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers’ compensation\u003c/a\u003e for more coverage.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eRetail and e-commerce\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/retail/\"\u003eRetail business\u003c/a\u003e owners can also benefit from the protection GL provides for customer injuries. NEXT policies also includes some protection for \u003ca href=\"/product-liability-insurance/\"\u003eproduct liability coverage\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFitness professionals\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003ePersonal trainers might need to be a policyholder for some professional certifications, and it can be required if they work at a gym.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eCleaning businesses\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eGeneral liability business insurance can protect \u003ca href=\"/general-liability-insurance/cleaners/\"\u003ecleaners\u003c/a\u003e from financial losses if they accidentally break or damage property at a job.\u003c/p\u003e\r\n\u003cp\u003eIf you want to rent commercial property you might also be required to have coverage as part of your commercial lease.\u003c/p\u003e"},{"post_title":"Why is General Liability important?","post_content":"\u003cp\u003eWe’ve already looked at some of the important protections business liability insurance can offer after an accident.\u003c/p\u003e\r\n\u003cp\u003eNow, let’s look at some benefits it can provide in your day-to-day (hopefully accident-free) operations.\u003c/p\u003e\r\n\u003ch3\u003eIt can help you get more jobs\u003c/h3\u003e\r\n\u003cp\u003eHaving business liability insurance shows clients that your business is trustworthy and that you will take responsibility for your mistakes. That\u0026rsquo;s why some business owners advertise that they are insured.\u003c/p\u003e\r\n\u003cp\u003eIt could give you a competitive advantage if a potential client has a choice between your business and another business that doesn\u0026rsquo;t have insurance.\u003c/p\u003e\r\n\u003cp\u003eMany larger clients also require coverage before they\u0026rsquo;ll sign a contract with you.\u003c/p\u003e\r\n\u003ch3\u003eIt keeps your business in compliance\u003c/h3\u003e\r\n\u003cp\u003eSome states and cities will only give you a business permit if you have an active general liability insurance policy and a \u003ca href=\"/certificate-of-insurance/\"\u003ecertificate of insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eYou might be required to keep your insurance active if your business is certified or accredited by a professional organization.\u003c/p\u003e\r\n\u003ch3\u003eYour commercial lease might require it\u003c/h3\u003e\r\n\u003cp\u003eProperty owners may ask to see your certificate of insurance if you plan to lease commercial space.\u003c/p\u003e\r\n\u003cp\u003eBusiness liability is often required because it shows you will have financial protection that can help cover expenses related to customer injuries at your leased space.\u003c/p\u003e\r\n\u003ch3\u003eIt lets you focus on growing your business\u003c/h3\u003e\r\n\u003cp\u003eBusiness liability insurance can give you peace of mind.\u003c/p\u003e\r\n\u003cp\u003eYou can have protection if a client trips and falls or you accidentally damage a customer's expensive property.\u003c/p\u003e"},{"post_title":"How much does General Liability insurance cost?","post_content":"\u003cp\u003e\u003ca href=\"/general-liability-insurance/cost/\"\u003eGeneral liability insurance costs\u003c/a\u003e are different for each business. It can cost as little as $11 monthly for some low-risk businesses.\u003c/p\u003e\r\n\u003cp\u003eSeveral factors influence the price you\u0026rsquo;ll pay for insurance, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eYour business operations\u003c/li\u003e\r\n \u003cli\u003eThe size of your business\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eYour business needs and how much coverage you want to purchase\u003c/li\u003e\r\n \u003cli\u003ePolicy limits\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eGet a basic estimate of how much general liability can cost with our \u003ca href=\"/general-liability-insurance/calculator/\"\u003egeneral liability calculator\u003c/a\u003e.\u003c/p\u003e"},{"post_title":"How do I get General Liability insurance?","post_content":"\u003cp\u003eYou can get business insurance and your certificate of insurance in less than 10 minutes with NEXT\u0026rsquo;s easy online process.\u003c/p\u003e\r\n\u003cp\u003eStart an instant general liability insurance quote to see options for your small business. Here\u0026rsquo;s how the process works:\u003c/p\u003e\r\n\u003cp\u003eWe\u0026rsquo;ll ask you some basic questions about your business and operations, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eHow many years you have owned the business\u003c/li\u003e\r\n \u003cli\u003eNumber of employees\u003c/li\u003e\r\n \u003cli\u003eExpected annual revenue\u003c/li\u003e\r\n \u003cli\u003eRecent insurance and claims history\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eAfter that, you\u0026rsquo;ll have a customized insurance quote for general liability and other recommended coverage.\u003c/p\u003e\r\n\u003cp\u003eIf you like what you see, you can adjust the package limits and make your purchase.\u003c/p\u003e\r\n\u003cp\u003eYour coverage will begin immediately after payment and you\u0026rsquo;ll have access to your certificate of insurance.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart a free instant quote today\u003c/a\u003e.\u003c/p\u003e"},{"post_title":"What other types of business insurance do I need?","post_content":"\u003cp\u003eGeneral liability can provide important financial protection for your business after an accident, but it usually doesn\u0026rsquo;t protect businesses from all the risks they face.\u003c/p\u003e\r\n\u003cp\u003eIt's important to consider other types of coverage when exploring your business insurance options and deciding on your risk management plan. For example:\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eOther types of liability coverage\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/professional-liability-insurance/\"\u003eProfessional liability insurance\u003c/a\u003e can help protect your business from losses after a professional mistake.\u003c/p\u003e\r\n\u003cp\u003eDepending on your industry, you might also benefit from \u003ca href=\"/product-liability-insurance/\"\u003eproduct liability insurance\u003c/a\u003e (retail) or \u003ca href=\"/liquor-liability-insurance/\"\u003eliquor liability insurance\u003c/a\u003e (food service).\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eWorkers\u0026rsquo; compensation\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eMost states require workers\u0026rsquo; compensation if you have employees. It can help cover medical expenses and lost wages after an employee\u0026rsquo;s workplace accident.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers\u0026rsquo; compensation insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eCommercial property insurance\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eThis coverage can help pay for a replacement or repair for your business property. General liability only over property that doesn\u0026rsquo;t belong to you.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/commercial-property-insurance/\"\u003ecommercial property insurance\u003c/a\u003e.\u003c/p\u003e"},{"post_title":"Compare General Liability insurance","post_content":"\u003cp\u003eWe’ll walk you through the differences and similarities between General Liability insurance and other types of business insurance policies to help you make the best choice for your business.\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-professional-liability/\"\u003eGeneral Liability insurance vs Professional Liability\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-business-owners-policy/\"\u003eGeneral Liability insurance vs Business Owner's Policy\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-workers-compensation/\"\u003eGeneral Liability insurance vs Workers' Compensation\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/commercial-property-vs-liability-insurance/\"\u003eLiability insurance vs Commercial Property insurance\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cul\u003e\r\n\u003cli\u003e\u003ca href=\"/comparison/\"\u003e\u003cstrong\u003eCompare other business insurance policies\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\r\n \u003c/ul\u003e"},{"post_title":"General Liability FAQ","post_content":"\u003cp\u003eIf you don\u0026rsquo;t find the answers you\u0026rsquo;re looking for, our licensed insurance advisors are standing by to help.\u003c/p\u003e\r\n\u003ch2\u003eIs General Liability insurance required by law?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance is often the first type of coverage purchased by new business owners, but it\u0026rsquo;s not typically required by law.\u003c/p\u003e\r\n\u003cp\u003eHowever, some agencies might require coverage before issuing a professional license or permit. This is common in construction.\u003c/p\u003e\r\n\u003cp\u003eClients might also ask for proof of insurance before they will work with you.\u003c/p\u003e\r\n\u003ch2\u003eWhat is the difference between Professional Liability and General Liability?\u003c/h2\u003e\r\n\u003cp\u003eThis question comes up a lot. That\u0026rsquo;s why we wrote a detailed overview of general liability vs. professional liability.\u003c/p\u003e\r\n\u003cp\u003eHere\u0026rsquo;s a quick overview:\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/professional-liability-insurance/\"\u003eProfessional liability insurance\u003c/a\u003e and general liability insurance offer similar benefits but there is one major difference — professional liability insurance can help cover professional mistakes and accusations of neglect. It's often related to advice you provide to a client or customer, not accidents in the workplace.\u003c/p\u003e\r\n\u003cp\u003eGeneral liability insurance coverage can provide financial protection for accidents that are more physical, such as property damage and injuries involving people who are not your employees.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/comparison/general-liability-vs-professional-liability/\"\u003ethe difference between professional liability and general liability\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eWhat is General Liability aggregate?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability aggregate is a common insurance industry term you'll run into when exploring options for this coverage.\u003c/p\u003e\r\n\u003cp\u003eIt's the maximum amount of money an insurance company will pay out during your policy period, which is usually one year.\u003c/p\u003e\r\n\u003cp\u003eIf your business has expensive claims, you might hit your aggregate limit. In that case, you would be responsible for paying out of pocket to cover the remaining expenses.\u003c/p\u003e\r\n\u003cp\u003eNote that the aggregate limit is different from the \u0026ldquo;per occurrence\u0026rdquo; limit, which is the maximum amount your policy pays out per claim within the term of your policy.\u003c/p\u003e\r\n\u003cp\u003eFor example, if you have a general aggregate liability limit of $300,000 and you\u0026rsquo;ve already made three claims in your policy term (usually a year) for $100,000 each, you\u0026rsquo;ve reached your aggregate limit and your insurance company won\u0026rsquo;t cover any additional claims.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s important to know your aggregate limit when you purchase general liability insurance. If you exceed your limit during your policy term, you will be responsible for paying for any expenses out of pocket that exceed the limit.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/glossary/aggregate-limit-of-liability/\"\u003eaggregate limit of liability\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes General Liability insurance cover property damage?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance can cover expenses related to property damage, but only to property that does not belong to you.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help protect the physical items you need to operate your business:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInventory\u003c/li\u003e\r\n \u003cli\u003eBusiness equipment\u003c/li\u003e\r\n \u003cli\u003eFurniture and furnishings\u003c/li\u003e\r\n \u003cli\u003ePhysical structures.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eA \u003ca href=\"/business-owners-policy/\"\u003ebusiness owner\u0026rsquo;s policy\u003c/a\u003e (BOP insurance) combines general liability insurance and commercial property insurance into one package that is usually less expensive than buying the coverage separately.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/business-owners-policy/\"\u003eBOP insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes commercial General Liability insurance cover automobile liability?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance does not cover automobile liability or any expenses related to business or personal driving.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/commercial-auto-insurance/\"\u003eCommercial auto insurance\u003c/a\u003e can help cover expenses If you drive for business reasons:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInjuries if you are responsible for an accident\u003c/li\u003e\r\n \u003cli\u003eProperty damage to other people\u0026rsquo;s property\u003c/li\u003e\r\n \u003cli\u003eRepairs for your vehicle\u003c/li\u003e\r\n \u003cli\u003eTowing and rentals if your vehicle is damaged\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/commercial-auto-insurance/\"\u003ecommercial auto coverage\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes commercial General Liability insurance cover theft?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance doesn\u0026rsquo;t cover the theft of your own possessions but it might cover the theft of customer property.\u003c/p\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re repairing a garage door for a homeowner and someone steals her bike while you\u0026rsquo;re out back, general liability could help pay for a replacement.\u003c/p\u003e\r\n\u003cp\u003eBut if any of your personal or business items are stolen, you won\u0026rsquo;t be covered without additional insurance.\u003c/p\u003e\r\n\u003cp\u003eYou can bundle \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e with your NEXT Insurance general liability coverage if you are a contractor or own a cleaning business.\u003c/p\u003e\r\n\u003ch2\u003eWill General Liability insurance protect me if my tools get stolen?\u003c/h2\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re a contractor or own a cleaning business, \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e can protect your belongings if they are damaged or stolen.\u003c/p\u003e\r\n\u003cp\u003eCommercial general liability alone won\u0026rsquo;t provide tools and equipment coverage.\u003c/p\u003e\r\n\u003cp\u003eYou might consider adding tools and equipment coverage if you work frequently at different locations because it will provide financial protection for your equipment wherever you go.\u003c/p\u003e\r\n\u003cp\u003eFor example, if there\u0026rsquo;s a water leak at the new house you\u0026rsquo;re building and your power tools get soaked, your insurance could help pay for new tools.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes General Liability insurance cover employee injuries?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance can help pay for expenses if your business is accused of causing an injury, but injuries to you or your employee are not included.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/workers-compensation-insurance/\"\u003eWorkers\u0026rsquo; compensation insurance\u003c/a\u003e can help pay for medical expenses and lost wages if an employee is hurt on the job.\u003c/p\u003e\r\n\u003cp\u003eMost states legally require you to purchase coverage as soon as you hire an employee. It also provides benefits for business owners if they get hurt on the job if they purchase optional business owner\u0026rsquo;s coverage.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers\u0026rsquo; compensation insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eIs General Liability insurance tax deductible?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance premiums can typically be deducted from your taxes. It\u0026rsquo;s important to consult with a licensed accounting professional to make sure you qualify.\u003c/p\u003e\r\n\u003cp\u003eThe \u003ca href=\"https://www.irs.gov/publications/p535#en_US_2020_publink100078332\" target=\"_blank\"\u003eIRS\u003c/a\u003e categorizes payments you make for this type of insurance to be both an \u0026ldquo;ordinary and necessary\u0026rdquo; business expense so be sure to keep a file of how much you pay every year for your policy.\u003c/p\u003e\r\n\u003ch2\u003eHow much General Liability insurance do I need?\u003c/h2\u003e\r\n\u003cp\u003eOur small business insurance isn\u0026rsquo;t one-size-fits-all. Each business is unique and has different insurance needs.\u003c/p\u003e\r\n\u003cp\u003eThe coverage you need depends on several factors, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eThe type of work you do\u003c/li\u003e\r\n \u003cli\u003eHow many employees and subcontractors you have\u003c/li\u003e\r\n \u003cli\u003eThe level of risk your company faces\u003c/li\u003e\r\n \u003cli\u003eThe state where you work\u003c/li\u003e\r\n \u003cli\u003eWhen you complete an instant quote online with Next, you can review options and adjust limits to your preference.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003ch2\u003eWhen will I get my policy documents and proof of insurance?\u003c/h2\u003e\r\n\u003cp\u003eWith NEXT, it can take less than 10 minutes to purchase coverage and you\u0026rsquo;ll have instant access to policy documents and your \u003ca href=\"/certificate-of-insurance/\"\u003ecertificate of insurance (COI)\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eYou can access your documents and COI 24/7 online or in the NEXT app for \u003ca href=\"https://apps.apple.com/us/app/next-insurance/id1580721755\"\u003eiPhone\u003c/a\u003e or \u003ca href=\"https://play.google.com/store/apps/details?id=com.nextinsurance\"\u003eAndroid\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eLearn more about our \u003ca href=\"/certificate-of-insurance/\"\u003edigital certificate of insurance\u003c/a\u003e.\u003c/p\u003e\r\n\r\n\u003ch2\u003eHow do I make a General Liability insurance claim?\u003c/h2\u003e\r\n\u003cp\u003eYou can file a claim anytime and from anywhere online or in the NEXT app.\u003c/p\u003e\r\n\u003cp\u003eYou\u0026rsquo;ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions within 48 hours so you can get back to focusing on your work.\u003c/p\u003e\r\n\u003cp\u003eCheck out our \u003ca href=\"/claim-page/\"\u003eclaims page for more details\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eHow quickly are general liability claims resolved?\u003c/h2\u003e\r\n\u003cp\u003eOften, claims decisions are made within 48 hours, although some claims require more time.\u003c/p\u003e\r\n\u003cp\u003eThe specific details of the claim, how bad the damage is, how many people are involved, the availability of information and other factors all contribute to the decision process.\u003c/p\u003e"}],"faq_selected_questions":"","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"price_calculator_module","displayModule":true,"lobType":"GL","topTitle":"Get an estimate of your business insurance cost","mainTitle":"Price calculator","stateLabel":"Where is your business located?","cobLabel":"What do you do?","image":{"ID":111016263,"id":111016263,"title":"price_calculator","filename":"price_calculator-1.png","filesize":164838,"url":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","alt":"","author":"2","description":"","caption":"","name":"price_calculator","status":"inherit","uploaded_to":11146791,"date":"2022-02-21 15:33:46","modified":"2023-01-09 07:37:09","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":627,"height":568,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-300x272.png","medium-width":300,"medium-height":272,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","medium_large-width":627,"medium_large-height":568,"large":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","large-width":627,"large-height":568,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","1536x1536-width":627,"1536x1536-height":568,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","2048x2048-width":627,"2048x2048-height":568,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1.png","FacebookBig-width":627,"FacebookBig-height":568,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-627x455.png","spotlight-width":627,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-627x360.png","archiveBlogroll-width":627,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-627x454.png","singleBlogImage-width":627,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-627x335.png","blogCategoryHeroDesktop-width":627,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-627x134.png","blogCategoryHeroTablet-width":627,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/02/price_calculator-1-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"bottomTitle":"This is the minimum cost of general liability coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.","firstField":"State","calculationLabel":"Coverage starting at","initialList":"[\r\n {\r\n \"name\": \"Accountant\",\r\n \"cob_id\": 110212\r\n },\r\n {\r\n \"name\": \"Acting Lessons\",\r\n \"cob_id\": 111303\r\n },\r\n {\r\n \"name\": \"Actors\",\r\n \"cob_id\": 111248\r\n },\r\n {\r\n \"name\": \"Actuarial Service\",\r\n \"cob_id\": 110226\r\n },\r\n {\r\n \"name\": \"Administrative Services Managers\",\r\n \"cob_id\": 111008\r\n },\r\n {\r\n \"name\": \"Administrative Support\",\r\n \"cob_id\": 110831\r\n },\r\n {\r\n \"name\": \"Adult Education\",\r\n \"cob_id\": 111305\r\n },\r\n {\r\n \"name\": \"Advertising and Promotions Managers\",\r\n \"cob_id\": 111005\r\n },\r\n {\r\n \"name\": \"Aerobics Instructor\",\r\n \"cob_id\": 100017\r\n },\r\n {\r\n \"name\": \"Agents and Business Managers of Artists, Performers, and Athletes\",\r\n \"cob_id\": 111012\r\n },\r\n {\r\n \"name\": \"Alternative Healing\",\r\n \"cob_id\": 111499\r\n },\r\n {\r\n \"name\": \"App Based Delivery Services\",\r\n \"cob_id\": 110107\r\n },\r\n {\r\n \"name\": \"Appliance Installation, Service and Repair\",\r\n \"cob_id\": 100041\r\n },\r\n {\r\n \"name\": \"Architect\",\r\n \"cob_id\": 110239\r\n },\r\n {\r\n \"name\": \"Art Classes\",\r\n \"cob_id\": 111310\r\n },\r\n {\r\n \"name\": \"Art Consultants\",\r\n \"cob_id\": 111120\r\n },\r\n {\r\n \"name\": \"Art Space Rentals\",\r\n \"cob_id\": 110600\r\n },\r\n {\r\n \"name\": \"Arts and Crafts Store\",\r\n \"cob_id\": 110534\r\n },\r\n {\r\n \"name\": \"Audio and Video Equipment Technicians\",\r\n \"cob_id\": 110505\r\n },\r\n {\r\n \"name\": \"Auto Body Shop\",\r\n \"cob_id\": 111658\r\n },\r\n {\r\n \"name\": \"Auto Parts Store\",\r\n \"cob_id\": 111659\r\n },\r\n {\r\n \"name\": \"Auto Repair Shop\",\r\n \"cob_id\": 111662\r\n },\r\n {\r\n \"name\": \"AV Equipment Rental for Events\",\r\n \"cob_id\": 110615\r\n },\r\n {\r\n \"name\": \"Baker\",\r\n \"cob_id\": 110706\r\n },\r\n {\r\n \"name\": \"Banjo Lessons\",\r\n \"cob_id\": 111314\r\n },\r\n {\r\n \"name\": \"Barber\",\r\n \"cob_id\": 100024\r\n },\r\n {\r\n \"name\": \"Beach Equipment Rentals\",\r\n \"cob_id\": 110670\r\n },\r\n {\r\n \"name\": \"Beautician\",\r\n \"cob_id\": 100026\r\n },\r\n {\r\n \"name\": \"Bike Rentals\",\r\n \"cob_id\": 110714\r\n },\r\n {\r\n \"name\": \"Bike Shop\",\r\n \"cob_id\": 110516\r\n },\r\n {\r\n \"name\": \"Blow Dry and Out Services\",\r\n \"cob_id\": 111221\r\n },\r\n {\r\n \"name\": \"Bocce Ball\",\r\n \"cob_id\": 110717\r\n },\r\n {\r\n \"name\": \"Bookstore\",\r\n \"cob_id\": 110517\r\n },\r\n {\r\n \"name\": \"Bowling\",\r\n \"cob_id\": 110721\r\n },\r\n {\r\n \"name\": \"Bridal Stylist\",\r\n \"cob_id\": 111222\r\n },\r\n {\r\n \"name\": \"Broadcast Technicians\",\r\n \"cob_id\": 110602\r\n },\r\n {\r\n \"name\": \"Building Inspector\",\r\n \"cob_id\": 110238\r\n },\r\n {\r\n \"name\": \"Building Sign installation\",\r\n \"cob_id\": 111641\r\n },\r\n {\r\n \"name\": \"Business Consulting\",\r\n \"cob_id\": 110249\r\n },\r\n {\r\n \"name\": \"Business Financing\",\r\n \"cob_id\": 111195\r\n },\r\n {\r\n \"name\": \"Call Center Service\",\r\n \"cob_id\": 110254\r\n },\r\n {\r\n \"name\": \"Camera and Photographic Equipment Repairers\",\r\n \"cob_id\": 110842\r\n },\r\n {\r\n \"name\": \"Candle Store\",\r\n \"cob_id\": 110537\r\n },\r\n {\r\n \"name\": \"Candy Stores\",\r\n \"cob_id\": 110722\r\n },\r\n {\r\n \"name\": \"Car Wash\",\r\n \"cob_id\": 111663\r\n },\r\n {\r\n \"name\": \"Career and Technical Education Teachers\",\r\n \"cob_id\": 111318\r\n },\r\n {\r\n \"name\": \"Cargo and Freight Agents\",\r\n \"cob_id\": 110809\r\n },\r\n {\r\n \"name\": \"Carpentry\",\r\n \"cob_id\": 5005\r\n },\r\n {\r\n \"name\": \"Carpet Cleaning\",\r\n \"cob_id\": 100006\r\n },\r\n {\r\n \"name\": \"Caterer\",\r\n \"cob_id\": 100037\r\n },\r\n {\r\n \"name\": \"Check Cashing and Pay day Loans\",\r\n \"cob_id\": 111196\r\n },\r\n {\r\n \"name\": \"Chocolatiers and Shops\",\r\n \"cob_id\": 110723\r\n },\r\n {\r\n \"name\": \"Circus Entertainment\",\r\n \"cob_id\": 111253\r\n },\r\n {\r\n \"name\": \"Claims Adjuster\",\r\n \"cob_id\": 110227\r\n },\r\n {\r\n \"name\": \"Clothing Store\",\r\n \"cob_id\": 110220\r\n },\r\n {\r\n \"name\": \"Coffee and Tea\",\r\n \"cob_id\": 110868\r\n },\r\n {\r\n \"name\": \"Community Gardens\",\r\n \"cob_id\": 110768\r\n },\r\n {\r\n \"name\": \"Computer and Information Systems Managers\",\r\n \"cob_id\": 111051\r\n },\r\n {\r\n \"name\": \"Computer Lessons\",\r\n \"cob_id\": 111324\r\n },\r\n {\r\n \"name\": \"Computer Network Architects\",\r\n \"cob_id\": 111000\r\n },\r\n {\r\n \"name\": \"Computer Network Support Specialists\",\r\n \"cob_id\": 111052\r\n },\r\n {\r\n \"name\": \"Computer Programmers\",\r\n \"cob_id\": 111043\r\n },\r\n {\r\n \"name\": \"Computer Repair\",\r\n \"cob_id\": 110630\r\n },\r\n {\r\n \"name\": \"Concrete Construction\",\r\n \"cob_id\": 5011\r\n },\r\n {\r\n \"name\": \"Convenience Stores\",\r\n \"cob_id\": 110680\r\n },\r\n {\r\n \"name\": \"Cosmetologist\",\r\n \"cob_id\": 100022\r\n },\r\n {\r\n \"name\": \"Cosmetology Schools\",\r\n \"cob_id\": 111326\r\n },\r\n {\r\n \"name\": \"Costume Attendants\",\r\n \"cob_id\": 111257\r\n },\r\n {\r\n \"name\": \"Costumed Character Entertainment\",\r\n \"cob_id\": 111258\r\n },\r\n {\r\n \"name\": \"Couriers\",\r\n \"cob_id\": 110105\r\n },\r\n {\r\n \"name\": \"CPR and First Aid Training\",\r\n \"cob_id\": 111479\r\n },\r\n {\r\n \"name\": \"Craft Artists\",\r\n \"cob_id\": 111079\r\n },\r\n {\r\n \"name\": \"Credit Authorizers, Checkers, and Clerks\",\r\n \"cob_id\": 110661\r\n },\r\n {\r\n \"name\": \"Crossfit Instructor\",\r\n \"cob_id\": 100014\r\n },\r\n {\r\n \"name\": \"Dance Instructor\",\r\n \"cob_id\": 100010\r\n },\r\n {\r\n \"name\": \"Day Care\",\r\n \"cob_id\": 100033\r\n },\r\n {\r\n \"name\": \"Day Spas\",\r\n \"cob_id\": 111297\r\n },\r\n {\r\n \"name\": \"Debris Removal\",\r\n \"cob_id\": 100008\r\n },\r\n {\r\n \"name\": \"Debt Relief Services\",\r\n \"cob_id\": 111198\r\n },\r\n {\r\n \"name\": \"Demonstrators and Product Promoters\",\r\n \"cob_id\": 110897\r\n },\r\n {\r\n \"name\": \"Dental Laboratory Technicians\",\r\n \"cob_id\": 111431\r\n },\r\n {\r\n \"name\": \"Department Stores\",\r\n \"cob_id\": 110523\r\n },\r\n {\r\n \"name\": \"Desserts\",\r\n \"cob_id\": 110862\r\n },\r\n {\r\n \"name\": \"Dietitians and Nutritionists\",\r\n \"cob_id\": 110797\r\n },\r\n {\r\n \"name\": \"Discount Store\",\r\n \"cob_id\": 110524\r\n },\r\n {\r\n \"name\": \"DJ\",\r\n \"cob_id\": 100020\r\n },\r\n {\r\n \"name\": \"Dog Walker\",\r\n \"cob_id\": 110202\r\n },\r\n {\r\n \"name\": \"Door and Window Installation, Service and Repair\",\r\n \"cob_id\": 111642\r\n },\r\n {\r\n \"name\": \"Drywall and Wall Boarding Work\",\r\n \"cob_id\": 5012\r\n },\r\n {\r\n \"name\": \"Dumpster Rental\",\r\n \"cob_id\": 110610\r\n },\r\n {\r\n \"name\": \"E-Commerce\",\r\n \"cob_id\": 110063\r\n },\r\n {\r\n \"name\": \"Editorial Services\",\r\n \"cob_id\": 111119\r\n },\r\n {\r\n \"name\": \"Education Consulting\",\r\n \"cob_id\": 110251\r\n },\r\n {\r\n \"name\": \"Educational, Guidance, School, and Vocational Counselors\",\r\n \"cob_id\": 111022\r\n },\r\n {\r\n \"name\": \"Electrical Work\",\r\n \"cob_id\": 5007\r\n },\r\n {\r\n \"name\": \"Electronics Store\",\r\n \"cob_id\": 110222\r\n },\r\n {\r\n \"name\": \"Emergency Management Directors\",\r\n \"cob_id\": 111125\r\n },\r\n {\r\n \"name\": \"Employment Agencies\",\r\n \"cob_id\": 111032\r\n },\r\n {\r\n \"name\": \"Engineer\",\r\n \"cob_id\": 110242\r\n },\r\n {\r\n \"name\": \"Estate Liquidation\",\r\n \"cob_id\": 110849\r\n },\r\n {\r\n \"name\": \"Esthetician Services\",\r\n \"cob_id\": 100021\r\n },\r\n {\r\n \"name\": \"Etchers and Engravers\",\r\n \"cob_id\": 111082\r\n },\r\n {\r\n \"name\": \"Event Help and Wait Staff\",\r\n \"cob_id\": 111282\r\n },\r\n {\r\n \"name\": \"Event Planner\",\r\n \"cob_id\": 100030\r\n },\r\n {\r\n \"name\": \"Excavation and Grading\",\r\n \"cob_id\": 5014\r\n },\r\n {\r\n \"name\": \"Eyewear and Optician Store\",\r\n \"cob_id\": 110552\r\n },\r\n {\r\n \"name\": \"Fabric Store\",\r\n \"cob_id\": 110529\r\n },\r\n {\r\n \"name\": \"Farmers Market\",\r\n \"cob_id\": 110681\r\n },\r\n {\r\n \"name\": \"Fence and Gate Installation\",\r\n \"cob_id\": 111643\r\n },\r\n {\r\n \"name\": \"Fencing Instructor\",\r\n \"cob_id\": 111610\r\n },\r\n {\r\n \"name\": \"Financial Adviser\",\r\n \"cob_id\": 110214\r\n },\r\n {\r\n \"name\": \"Financial Examiners\",\r\n \"cob_id\": 110662\r\n },\r\n {\r\n \"name\": \"Fine Artists, Including Painters, Sculptors, and Illustrators\",\r\n \"cob_id\": 111083\r\n },\r\n {\r\n \"name\": \"Fitness Instructor\",\r\n \"cob_id\": 100012\r\n },\r\n {\r\n \"name\": \"Flea Markets\",\r\n \"cob_id\": 110551\r\n },\r\n {\r\n \"name\": \"Floor Waxing\",\r\n \"cob_id\": 100007\r\n },\r\n {\r\n \"name\": \"Florist\",\r\n \"cob_id\": 110218\r\n },\r\n {\r\n \"name\": \"Food Banks\",\r\n \"cob_id\": 111208\r\n },\r\n {\r\n \"name\": \"Food Delivery\",\r\n \"cob_id\": 110104\r\n },\r\n {\r\n \"name\": \"Food Safety Training\",\r\n \"cob_id\": 111037\r\n },\r\n {\r\n \"name\": \"Food Truck or Cart Services\",\r\n \"cob_id\": 110668\r\n },\r\n {\r\n \"name\": \"Foreign Language and Literature Teachers\",\r\n \"cob_id\": 111337\r\n },\r\n {\r\n \"name\": \"Fundraisers\",\r\n \"cob_id\": 110666\r\n },\r\n {\r\n \"name\": \"Funeral Service Managers\",\r\n \"cob_id\": 110738\r\n },\r\n {\r\n \"name\": \"Furniture Rental\",\r\n \"cob_id\": 110507\r\n },\r\n {\r\n \"name\": \"Furniture Store\",\r\n \"cob_id\": 110223\r\n },\r\n {\r\n \"name\": \"Garbage Collection\",\r\n \"cob_id\": 100009\r\n },\r\n {\r\n \"name\": \"General Contractor\",\r\n \"cob_id\": 100001\r\n },\r\n {\r\n \"name\": \"Glass Blowing\",\r\n \"cob_id\": 110742\r\n },\r\n {\r\n \"name\": \"Glass Dealers and Glaziers\",\r\n \"cob_id\": 111644\r\n },\r\n {\r\n \"name\": \"Golf Instructor\",\r\n \"cob_id\": 100011\r\n },\r\n {\r\n \"name\": \"Graphic Designers\",\r\n \"cob_id\": 111092\r\n },\r\n {\r\n \"name\": \"Grocery Store\",\r\n \"cob_id\": 110225\r\n },\r\n {\r\n \"name\": \"Habilitative Services\",\r\n \"cob_id\": 111451\r\n },\r\n {\r\n \"name\": \"Hair Stylist\",\r\n \"cob_id\": 100025\r\n },\r\n {\r\n \"name\": \"Handyperson\",\r\n \"cob_id\": 5006\r\n },\r\n {\r\n \"name\": \"Hardware Store\",\r\n \"cob_id\": 110532\r\n },\r\n {\r\n \"name\": \"Health and Wellness Coaching\",\r\n \"cob_id\": 111452\r\n },\r\n {\r\n \"name\": \"Health Educators\",\r\n \"cob_id\": 111344\r\n },\r\n {\r\n \"name\": \"Heavy and Tractor Trailer Truck Drivers\",\r\n \"cob_id\": 110810\r\n },\r\n {\r\n \"name\": \"Historians\",\r\n \"cob_id\": 111086\r\n },\r\n {\r\n \"name\": \"Hobby Shop\",\r\n \"cob_id\": 110536\r\n },\r\n {\r\n \"name\": \"Home and Garden Retailer\",\r\n \"cob_id\": 110542\r\n },\r\n {\r\n \"name\": \"Home Energy Auditors\",\r\n \"cob_id\": 110623\r\n },\r\n {\r\n \"name\": \"Home Inspectors\",\r\n \"cob_id\": 110621\r\n },\r\n {\r\n \"name\": \"Home Window Tinting\",\r\n \"cob_id\": 111645\r\n },\r\n {\r\n \"name\": \"Horse Equipment Shop\",\r\n \"cob_id\": 110569\r\n },\r\n {\r\n \"name\": \"House Cleaning and Maid Service\",\r\n \"cob_id\": 100003\r\n },\r\n {\r\n \"name\": \"Human Resources Specialists\",\r\n \"cob_id\": 111095\r\n },\r\n {\r\n \"name\": \"HVAC Work\",\r\n \"cob_id\": 5008\r\n },\r\n {\r\n \"name\": \"In Person Auctioneer\",\r\n \"cob_id\": 110205\r\n },\r\n {\r\n \"name\": \"Indoor Cycling Instructor\",\r\n \"cob_id\": 111657\r\n },\r\n {\r\n \"name\": \"Insulation Work\",\r\n \"cob_id\": 111646\r\n },\r\n {\r\n \"name\": \"Insurance Agent\",\r\n \"cob_id\": 110228\r\n },\r\n {\r\n \"name\": \"Insurance Appraisers\",\r\n \"cob_id\": 111217\r\n },\r\n {\r\n \"name\": \"Insurance Inspector\",\r\n \"cob_id\": 110237\r\n },\r\n {\r\n \"name\": \"Interior Designer\",\r\n \"cob_id\": 110245\r\n },\r\n {\r\n \"name\": \"IT Consulting or Programming\",\r\n \"cob_id\": 110248\r\n },\r\n {\r\n \"name\": \"Janitorial Services\",\r\n \"cob_id\": 100002\r\n },\r\n {\r\n \"name\": \"Jewelry Store\",\r\n \"cob_id\": 110224\r\n },\r\n {\r\n \"name\": \"Juice Bars and Smoothies\",\r\n \"cob_id\": 110873\r\n },\r\n {\r\n \"name\": \"Kids Activities\",\r\n \"cob_id\": 111261\r\n },\r\n {\r\n \"name\": \"Knife Sharpening\",\r\n \"cob_id\": 110694\r\n },\r\n {\r\n \"name\": \"Land Surveyor\",\r\n \"cob_id\": 110208\r\n },\r\n {\r\n \"name\": \"Landscaping and Lawn Care\",\r\n \"cob_id\": 5003\r\n },\r\n {\r\n \"name\": \"Laundromat\",\r\n \"cob_id\": 110753\r\n },\r\n {\r\n \"name\": \"Laundry Services\",\r\n \"cob_id\": 110756\r\n },\r\n {\r\n \"name\": \"Legal Service\",\r\n \"cob_id\": 110229\r\n },\r\n {\r\n \"name\": \"Light Truck or Delivery Services Drivers\",\r\n \"cob_id\": 110812\r\n },\r\n {\r\n \"name\": \"Lighting Store\",\r\n \"cob_id\": 110544\r\n },\r\n {\r\n \"name\": \"Loan Officers\",\r\n \"cob_id\": 110658\r\n },\r\n {\r\n \"name\": \"Locksmith\",\r\n \"cob_id\": 110210\r\n },\r\n {\r\n \"name\": \"Logisticians\",\r\n \"cob_id\": 111010\r\n },\r\n {\r\n \"name\": \"Luggage Store\",\r\n \"cob_id\": 110571\r\n },\r\n {\r\n \"name\": \"Makerspaces\",\r\n \"cob_id\": 111204\r\n },\r\n {\r\n \"name\": \"Makeup Artists\",\r\n \"cob_id\": 111230\r\n },\r\n {\r\n \"name\": \"Marketing\",\r\n \"cob_id\": 110250\r\n },\r\n {\r\n \"name\": \"Marriage and Family Therapists\",\r\n \"cob_id\": 111457\r\n },\r\n {\r\n \"name\": \"Martial Arts Instructor\",\r\n \"cob_id\": 111629\r\n },\r\n {\r\n \"name\": \"Masonry Work\",\r\n \"cob_id\": 100040\r\n },\r\n {\r\n \"name\": \"Massage Therapist\",\r\n \"cob_id\": 100028\r\n },\r\n {\r\n \"name\": \"Meat Shops\",\r\n \"cob_id\": 110683\r\n },\r\n {\r\n \"name\": \"Medical Records and Health Information Technicians\",\r\n \"cob_id\": 111491\r\n },\r\n {\r\n \"name\": \"Medical Supplies Store\",\r\n \"cob_id\": 110572\r\n },\r\n {\r\n \"name\": \"Meditation Instruction\",\r\n \"cob_id\": 110798\r\n },\r\n {\r\n \"name\": \"Mental Health Counselors\",\r\n \"cob_id\": 111459\r\n },\r\n {\r\n \"name\": \"Mortgage Broker\",\r\n \"cob_id\": 110231\r\n },\r\n {\r\n \"name\": \"Mortuary Services\",\r\n \"cob_id\": 110740\r\n },\r\n {\r\n \"name\": \"Motivational Speaking\",\r\n \"cob_id\": 111265\r\n },\r\n {\r\n \"name\": \"Music Entertainment\",\r\n \"cob_id\": 111268\r\n },\r\n {\r\n \"name\": \"Music Production Services\",\r\n \"cob_id\": 110604\r\n },\r\n {\r\n \"name\": \"Musical Instrument Services\",\r\n \"cob_id\": 110763\r\n },\r\n {\r\n \"name\": \"Musical Instruments and Teachers\",\r\n \"cob_id\": 111359\r\n },\r\n {\r\n \"name\": \"Nail Technician\",\r\n \"cob_id\": 100027\r\n },\r\n {\r\n \"name\": \"Newspaper and Magazine Store\",\r\n \"cob_id\": 110519\r\n },\r\n {\r\n \"name\": \"Notary\",\r\n \"cob_id\": 110232\r\n },\r\n {\r\n \"name\": \"Nurseries and Gardening Shop\",\r\n \"cob_id\": 110525\r\n },\r\n {\r\n \"name\": \"Occupational Health and Safety Specialists\",\r\n \"cob_id\": 111460\r\n },\r\n {\r\n \"name\": \"Occupational Therapists\",\r\n \"cob_id\": 111462\r\n },\r\n {\r\n \"name\": \"Oil Change Station\",\r\n \"cob_id\": 111661\r\n },\r\n {\r\n \"name\": \"Other Consulting\",\r\n \"cob_id\": 110252\r\n },\r\n {\r\n \"name\": \"Packing Services\",\r\n \"cob_id\": 110759\r\n },\r\n {\r\n \"name\": \"Packing Supplies Store\",\r\n \"cob_id\": 110550\r\n },\r\n {\r\n \"name\": \"Paint Stores\",\r\n \"cob_id\": 110554\r\n },\r\n {\r\n \"name\": \"Painting\",\r\n \"cob_id\": 5010\r\n },\r\n {\r\n \"name\": \"Paperhangers\",\r\n \"cob_id\": 111647\r\n },\r\n {\r\n \"name\": \"Party Equipment Rentals\",\r\n \"cob_id\": 110613\r\n },\r\n {\r\n \"name\": \"Paving and Asphalt Installation, Service and Repair\",\r\n \"cob_id\": 111648\r\n },\r\n {\r\n \"name\": \"Pawn Shop\",\r\n \"cob_id\": 110574\r\n },\r\n {\r\n \"name\": \"Performing Arts\",\r\n \"cob_id\": 111244\r\n },\r\n {\r\n \"name\": \"Personal Assistant\",\r\n \"cob_id\": 110211\r\n },\r\n {\r\n \"name\": \"Personal Chefs\",\r\n \"cob_id\": 110879\r\n },\r\n {\r\n \"name\": \"Personal Trainer\",\r\n \"cob_id\": 1000\r\n },\r\n {\r\n \"name\": \"Pet Boarding\",\r\n \"cob_id\": 110637\r\n },\r\n {\r\n \"name\": \"Pet Groomers\",\r\n \"cob_id\": 110773\r\n },\r\n {\r\n \"name\": \"Pet Stores\",\r\n \"cob_id\": 110069\r\n },\r\n {\r\n \"name\": \"Pet Training\",\r\n \"cob_id\": 110635\r\n },\r\n {\r\n \"name\": \"Phone or Tablet Repair\",\r\n \"cob_id\": 110705\r\n },\r\n {\r\n \"name\": \"Photo Editing, Scanning and Restoration\",\r\n \"cob_id\": 110844\r\n },\r\n {\r\n \"name\": \"Photographer\",\r\n \"cob_id\": 3000\r\n },\r\n {\r\n \"name\": \"Pilates Instructor\",\r\n \"cob_id\": 100015\r\n },\r\n {\r\n \"name\": \"Plastering or Stucco Work\",\r\n \"cob_id\": 111649\r\n },\r\n {\r\n \"name\": \"Plumbing\",\r\n \"cob_id\": 5009\r\n },\r\n {\r\n \"name\": \"Popcorn Shops\",\r\n \"cob_id\": 110684\r\n },\r\n {\r\n \"name\": \"Postal Service Mail Carriers\",\r\n \"cob_id\": 110813\r\n },\r\n {\r\n \"name\": \"Pressure Washing\",\r\n \"cob_id\": 100004\r\n },\r\n {\r\n \"name\": \"Print Binding and Finishing Workers\",\r\n \"cob_id\": 110720\r\n },\r\n {\r\n \"name\": \"Print Media\",\r\n \"cob_id\": 110782\r\n },\r\n {\r\n \"name\": \"Printing Services\",\r\n \"cob_id\": 110775\r\n },\r\n {\r\n \"name\": \"Private Detectives and Investigators\",\r\n \"cob_id\": 111426\r\n },\r\n {\r\n \"name\": \"Product Designer\",\r\n \"cob_id\": 111003\r\n },\r\n {\r\n \"name\": \"Property Manager\",\r\n \"cob_id\": 110216\r\n },\r\n {\r\n \"name\": \"Psychiatric Aides\",\r\n \"cob_id\": 111466\r\n },\r\n {\r\n \"name\": \"Psychiatrists\",\r\n \"cob_id\": 111468\r\n },\r\n {\r\n \"name\": \"Psychologists\",\r\n \"cob_id\": 111469\r\n },\r\n {\r\n \"name\": \"Public Relations Specialists\",\r\n \"cob_id\": 111096\r\n },\r\n {\r\n \"name\": \"Radio and Television Announcers\",\r\n \"cob_id\": 110784\r\n },\r\n {\r\n \"name\": \"Real Estate Agent\",\r\n \"cob_id\": 110217\r\n },\r\n {\r\n \"name\": \"Real Estate Appraisal\",\r\n \"cob_id\": 110847\r\n },\r\n {\r\n \"name\": \"Real Estate Brokers\",\r\n \"cob_id\": 111295\r\n },\r\n {\r\n \"name\": \"Real Estate Investor\",\r\n \"cob_id\": 110848\r\n },\r\n {\r\n \"name\": \"Recording and Rehearsal Studios\",\r\n \"cob_id\": 111147\r\n },\r\n {\r\n \"name\": \"Recycling Center\",\r\n \"cob_id\": 110789\r\n },\r\n {\r\n \"name\": \"Rehabilitation Counselors\",\r\n \"cob_id\": 111433\r\n },\r\n {\r\n \"name\": \"Reiki\",\r\n \"cob_id\": 110704\r\n },\r\n {\r\n \"name\": \"Reporters and Correspondents\",\r\n \"cob_id\": 111130\r\n },\r\n {\r\n \"name\": \"Restaurant\",\r\n \"cob_id\": 110207\r\n },\r\n {\r\n \"name\": \"Retail Stores\",\r\n \"cob_id\": 110058\r\n },\r\n {\r\n \"name\": \"Roofing\",\r\n \"cob_id\": 100019\r\n },\r\n {\r\n \"name\": \"Safety Consultant\",\r\n \"cob_id\": 110255\r\n },\r\n {\r\n \"name\": \"Salesperson\",\r\n \"cob_id\": 110510\r\n },\r\n {\r\n \"name\": \"Scavenger Hunts\",\r\n \"cob_id\": 110743\r\n },\r\n {\r\n \"name\": \"Screen Printing and T Shirt Printing\",\r\n \"cob_id\": 110779\r\n },\r\n {\r\n \"name\": \"Seafood Markets\",\r\n \"cob_id\": 110685\r\n },\r\n {\r\n \"name\": \"Securities, Commodities, and Financial Services Sales Agents\",\r\n \"cob_id\": 110659\r\n },\r\n {\r\n \"name\": \"Security Services\",\r\n \"cob_id\": 111428\r\n },\r\n {\r\n \"name\": \"Self Storage\",\r\n \"cob_id\": 111216\r\n },\r\n {\r\n \"name\": \"Septic Tank System Cleaning\",\r\n \"cob_id\": 111651\r\n },\r\n {\r\n \"name\": \"Septic Tank System Installation, Service and Repair\",\r\n \"cob_id\": 111652\r\n },\r\n {\r\n \"name\": \"Set and Exhibit Designers\",\r\n \"cob_id\": 111123\r\n },\r\n {\r\n \"name\": \"Shared Office Spaces\",\r\n \"cob_id\": 110845\r\n },\r\n {\r\n \"name\": \"Shoe Repair\",\r\n \"cob_id\": 110792\r\n },\r\n {\r\n \"name\": \"Siding Installation, Service and Repair\",\r\n \"cob_id\": 111653\r\n },\r\n {\r\n \"name\": \"Signmaking\",\r\n \"cob_id\": 110795\r\n },\r\n {\r\n \"name\": \"Sleep Specialists\",\r\n \"cob_id\": 111496\r\n },\r\n {\r\n \"name\": \"Snow and Ice Removal\",\r\n \"cob_id\": 100045\r\n },\r\n {\r\n \"name\": \"Social Services\",\r\n \"cob_id\": 110233\r\n },\r\n {\r\n \"name\": \"Solar Contractor\",\r\n \"cob_id\": 111654\r\n },\r\n {\r\n \"name\": \"Specialty Food\",\r\n \"cob_id\": 110686\r\n },\r\n {\r\n \"name\": \"Speech Language Pathologists\",\r\n \"cob_id\": 111379\r\n },\r\n {\r\n \"name\": \"Speech Training\",\r\n \"cob_id\": 111033\r\n },\r\n {\r\n \"name\": \"Sporting Goods Retailer\",\r\n \"cob_id\": 110558\r\n },\r\n {\r\n \"name\": \"Sports Coach\",\r\n \"cob_id\": 111612\r\n },\r\n {\r\n \"name\": \"Sports Psychologists\",\r\n \"cob_id\": 111497\r\n },\r\n {\r\n \"name\": \"Tailors, Dressmakers, and Custom Sewers\",\r\n \"cob_id\": 110640\r\n },\r\n {\r\n \"name\": \"Tarot and Psychic Reader Entertainment\",\r\n \"cob_id\": 111278\r\n },\r\n {\r\n \"name\": \"Telemarketing and Telesales Services\",\r\n \"cob_id\": 111019\r\n },\r\n {\r\n \"name\": \"Tile, Stone, and Flooring\",\r\n \"cob_id\": 5013\r\n },\r\n {\r\n \"name\": \"Tire Shop\",\r\n \"cob_id\": 111660\r\n },\r\n {\r\n \"name\": \"Title Loans\",\r\n \"cob_id\": 111193\r\n },\r\n {\r\n \"name\": \"Training and Development Specialists\",\r\n \"cob_id\": 111025\r\n },\r\n {\r\n \"name\": \"Translator\",\r\n \"cob_id\": 110215\r\n },\r\n {\r\n \"name\": \"Travel Agency\",\r\n \"cob_id\": 110236\r\n },\r\n {\r\n \"name\": \"Travel Guides\",\r\n \"cob_id\": 110589\r\n },\r\n {\r\n \"name\": \"Tutor\",\r\n \"cob_id\": 100034\r\n },\r\n {\r\n \"name\": \"Umpires, Referees, and Other Sports Officials\",\r\n \"cob_id\": 111613\r\n },\r\n {\r\n \"name\": \"Urban and Regional Planners\",\r\n \"cob_id\": 111139\r\n },\r\n {\r\n \"name\": \"Vending Machine Operator\",\r\n \"cob_id\": 110209\r\n },\r\n {\r\n \"name\": \"Venues and Event Spaces\",\r\n \"cob_id\": 111202\r\n },\r\n {\r\n \"name\": \"Veterinarians\",\r\n \"cob_id\": 111607\r\n },\r\n {\r\n \"name\": \"Video and Film Production\",\r\n \"cob_id\": 110647\r\n },\r\n {\r\n \"name\": \"Video Transfer Services\",\r\n \"cob_id\": 110650\r\n },\r\n {\r\n \"name\": \"Videographers\",\r\n \"cob_id\": 110841\r\n },\r\n {\r\n \"name\": \"Vitamins and Supplements Store\",\r\n \"cob_id\": 110533\r\n },\r\n {\r\n \"name\": \"Vocal Coach\",\r\n \"cob_id\": 111385\r\n },\r\n {\r\n \"name\": \"Wedding and Event Invitations\",\r\n \"cob_id\": 110774\r\n },\r\n {\r\n \"name\": \"Wedding and Event Venue Rental\",\r\n \"cob_id\": 110733\r\n },\r\n {\r\n \"name\": \"Wedding Officiant\",\r\n \"cob_id\": 111065\r\n },\r\n {\r\n \"name\": \"Weight Loss Centers\",\r\n \"cob_id\": 111444\r\n },\r\n {\r\n \"name\": \"Welding, Cutting and Metal Frame Erection\",\r\n \"cob_id\": 100043\r\n },\r\n {\r\n \"name\": \"Wholesalers\",\r\n \"cob_id\": 110911\r\n },\r\n {\r\n \"name\": \"Window Cleaning\",\r\n \"cob_id\": 100005\r\n },\r\n {\r\n \"name\": \"Writer\",\r\n \"cob_id\": 110257\r\n },\r\n {\r\n \"name\": \"Yoga Instructor\",\r\n \"cob_id\": 100013\r\n },\r\n {\r\n \"name\": \"Zumba Instructor\",\r\n \"cob_id\": 100018\r\n }\r\n]","ctaButtonLabel":"Start Detailed Quote","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"links_list_module","displayModule":true,"bgColor":"lightLemonYellow","title":"Get customized insurance wherever you do business","subtitle":"\u003cp\u003eLearn more about general liability insurance options in the state where you work.\u003c/p\u003e\n","is_manual":true,"linksList":[{"value":"Alabama","url":"https://www.nextinsurance.com/general-liability-insurance/alabama/"},{"value":"California","url":"https://www.nextinsurance.com/general-liability-insurance/california/"},{"value":"Colorado","url":"https://www.nextinsurance.com/general-liability-insurance/colorado/"},{"value":"Florida","url":"https://www.nextinsurance.com/general-liability-insurance/florida/"},{"value":"Georgia","url":"https://www.nextinsurance.com/general-liability-insurance/georgia/"},{"value":"Illinois","url":"https://www.nextinsurance.com/general-liability-insurance/illinois/"},{"value":"Louisiana","url":"https://www.nextinsurance.com/general-liability-insurance/louisiana/"},{"value":"Michigan","url":"https://www.nextinsurance.com/general-liability-insurance/michigan/"},{"value":"New Jersey","url":"https://www.nextinsurance.com/general-liability-insurance/new-jersey/"},{"value":"North Carolina","url":"https://www.nextinsurance.com/general-liability-insurance/north-carolina/"},{"value":"Oregon","url":"https://www.nextinsurance.com/general-liability-insurance/oregon/"},{"value":"Pennsylvania","url":"https://www.nextinsurance.com/general-liability-insurance/pennsylvania/"},{"value":"Tennessee","url":"https://www.nextinsurance.com/general-liability-insurance/tennessee/"},{"value":"Texas","url":"https://www.nextinsurance.com/general-liability-insurance/texas/"}]},{"acf_fc_layout":"article_content_module","displayModule":true,"displaySocialIcons":false,"title":"Learn more about general liability insurance","content":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"https://www.nextinsurance.com/business-insurance/edu/types-of-liability-insurance/\"\u003eTypes of liability insurance\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"/general-liability-insurance/edu/short-term-liability-insurance/\"\u003eShort term liability insurance\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"/general-liability-insurance/edu/premises-liability/\"\u003ePremises liability insurance\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/cost/\"\u003eGeneral liability insurance costs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"/general-liability-insurance/edu/claims-examples/\"\u003eGeneral liability claims examples\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"/general-liability-insurance/edu/class-codes/\"\u003eGeneral liability class codes\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","titleStyle":"AlpinaMediumH2","titleAlignment":"text-left","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"automatic_reviews_module","displayModule":false,"title":"NEXT Insurance reviews","isAutomatic":false,"chooseProductType":"productID","productID":"","productGroupID":"","chooseButtonType":"false","ctaButton":{"ctaButton":{"title":"","url":"","buttonBgColor":"Transparent","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"reviews":[{"title":"Easy to process","content":"Where other websites did not deliver on a timely manner, this was relatively easy to get a quote and finish the process in a few minutes after accepting it. It was also easy to modify the policy after, with the help of chat customer support.","reviewerName":"Riccardo H.","showDate":false,"createdAt":"03/17/2023"},{"title":"The perfect choice for starting","content":"The perfect choice for starting my own business. This gets me the coverage I need but affordable","reviewerName":"Joseph Z.","showDate":false,"createdAt":"02/26/2023"},{"title":"It was great for me","content":"It really was so simple and easy. Actually easier than the old way, going through an agency. They actually up date the info immediately.","reviewerName":"Lance R.","showDate":false,"createdAt":"02/26/2023"},{"title":"Fast and easy","content":"Very easy, nothing complicated and a great insurance quote","reviewerName":"Manuel M.","showDate":false,"createdAt":"02/24/2023"},{"title":"Five star","content":"You have been there whenever I needed your help.","reviewerName":"Luis R.","showDate":false,"createdAt":"02/23/2023"},{"title":"Perfect","content":"So convenient! So glad to know about Next.","reviewerName":"Mari H.","showDate":false,"createdAt":"02/22/2023"},{"title":"General Liability","content":"The online purchase process for General liability was fast and the protection met the needs of my business . Thank Next!","reviewerName":"Michael J.","showDate":false,"createdAt":"02/13/2023"},{"title":"Affordable insurance and excellent customer service","content":"Next made purchasing general liability insurance very easy and affordable. They also had excellent customer service!","reviewerName":"Leah S.","showDate":false,"createdAt":"02/10/2023"}],"isDisplayCOB":false,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"automatic_reviews_module","displayModule":true,"title":"See what our customers have to say about NEXT","isAutomatic":false,"chooseProductType":"productID","productID":"","productGroupID":"","chooseButtonType":"false","ctaButton":{"ctaButton":{"title":"","url":"","buttonBgColor":"Transparent","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"reviews":[{"title":"Satisfied Customer","content":"Best business insurance with the easiest process!","reviewerName":"Stephen H.","createdAt":"02/14/2023"},{"title":"Small business insurance","content":"I thought next was easy to use, great rates and outstanding follow-up.","reviewerName":"Taylor M.","createdAt":"02/13/2023"},{"title":"Small start up","content":"Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.","reviewerName":"Deborah H.","createdAt":"02/12/2023"},{"title":"Easy to use","content":"Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.","reviewerName":"Myles C.","createdAt":"02/18/2023"},{"title":"Great!","content":"Hassle free and great to work with. Affordable.","reviewerName":"Anthony G.","createdAt":"02/17/2023"},{"title":"Peace of mind","content":"easy to apply and and customer service is very responsive","reviewerName":"Darrell W.","createdAt":"02/19/2023"},{"title":"Easy \u0026 affordable","content":"This company makes the process very easy \u0026 affordable. Thank you for this service!!","reviewerName":"Ronald M.","createdAt":"02/21/2023"},{"title":"Easy to sign up and has what I need.","content":"Only took about 10 minutes to have all my questions answered and get the plan I need for my business. 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More","url":"https://www.nextinsurance.com/commercial-property-insurance/"}},{"title":"Business Owner’s Policy","bodyText":"Combine general liability and commercial property into one policy to protect your business.","bgColor":"gold","image":{"ID":110227300,"id":110227300,"title":"lob-business-owner-policy-black-white","filename":"lob-business-owner-policy-black-white-2.png","filesize":137561,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-business-owner-policy-black-white-2.png","alt":"Business Owner’s Policy Insurance","author":"128","description":"","caption":"","name":"lob-business-owner-policy-black-white-3","status":"inherit","uploaded_to":11151967,"date":"2021-08-27 12:22:54","modified":"2022-04-20 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Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}}],"seo":{"title":"General Liability Insurance for Your Small Business | NEXT","description":"General Liability can provide essential protection after customer injuries and damage to property you don't own. 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This is called \u0026ldquo;\u003ca href=\"/glossary/bodily-injury-coverage/\"\u003ebodily injury\u003c/a\u003e.\u0026rdquo;\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/\"\u003eGeneral liability insurance coverage\u003c/a\u003e can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.\u003c/p\u003e\r\n\u003cp\u003eAnd if you\u0026rsquo;re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s one of the most frequently purchased \u003ca href=\"/business-insurance/\"\u003etypes of business insurance\u003c/a\u003e by small business owners because of the broad protection it offers.\u003c/p\u003e\r\n\u003cp\u003eThis type of coverage is also sometimes called \u0026ldquo;business liability insurance,\u0026rdquo; \u0026ldquo;commercial general liability (CGL),\u0026rdquo; \u0026ldquo;public liability\u0026rdquo; or \u0026ldquo;liability insurance.\u0026rdquo; For the sake of simplicity, we\u0026rsquo;ll just call it general liability in the details below.\u003c/p\u003e"}},{"@type":"Question","name":"What does General Liability cover?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eGeneral liability insurance coverage can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInjuries to people who are not your employees (bodily injury)\u003c/li\u003e\r\n \u003cli\u003eDamage to another person\u0026rsquo;s property (property damage)\u003c/li\u003e\r\n \u003cli\u003eCourt and legal fees\u003c/li\u003e\r\n \u003cli\u003eMedical payments\u003c/li\u003e\r\n \u003cli\u003eAdvertising harm\u003c/li\u003e\r\n \u003cli\u003eAccusations of libel or slander (personal injury or reputational harm)\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eIf you're involved with any of these business risks, our \u003ca href=\"/general-liability-insurance/edu/claims-examples/\"\u003egeneral liability claims\u003c/a\u003e process could provide financial help if it is a covered event.\u003c/p\u003e\r\n\u003cp\u003eLearn more about what \u003ca href=\"/general-liability-insurance/\"\u003egeneral liability covers\u003c/a\u003e.\u003c/p\u003e"}},{"@type":"Question","name":"Who needs General Liability insurance coverage?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eGeneral liability is included in many business insurance packages because it can help cover the risks that many small business owners face every day.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.\u003c/p\u003e\r\n\u003cp\u003eHere are some examples of how different types of businesses are protected from liability risks with a commercial general liability insurance policy:\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eConstruction trades\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/contractors/\"\u003eArtisan contractors\u003c/a\u003e and other \u003ca href=\"/general-liability-insurance/construction/\"\u003econstruction professionals\u003c/a\u003e are often required to have general liability insurance to get professional licenses or work on certain jobs. That\u0026rsquo;s because there\u0026rsquo;s a risk of injury to other people and property damage in the work they do.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eRestaurants and food service\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eSlip-and-fall accidents are a risk that \u003ca href=\"/general-liability-insurance/food-services/\"\u003efood business\u003c/a\u003e owners worry about. A general liability policy can help cover medical payments and lawsuit expenses. Some businesses can also add \u003ca href=\"/liquor-liability-insurance/\"\u003eliquor liability\u003c/a\u003e or \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers’ compensation\u003c/a\u003e for more coverage.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eRetail and e-commerce\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/retail/\"\u003eRetail business\u003c/a\u003e owners can also benefit from the protection GL provides for customer injuries. NEXT policies also includes some protection for \u003ca href=\"/product-liability-insurance/\"\u003eproduct liability coverage\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFitness professionals\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003ePersonal trainers might need to be a policyholder for some professional certifications, and it can be required if they work at a gym.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eCleaning businesses\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eGeneral liability business insurance can protect \u003ca href=\"/general-liability-insurance/cleaners/\"\u003ecleaners\u003c/a\u003e from financial losses if they accidentally break or damage property at a job.\u003c/p\u003e\r\n\u003cp\u003eIf you want to rent commercial property you might also be required to have coverage as part of your commercial lease.\u003c/p\u003e"}},{"@type":"Question","name":"Why is General Liability important?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eWe’ve already looked at some of the important protections business liability insurance can offer after an accident.\u003c/p\u003e\r\n\u003cp\u003eNow, let’s look at some benefits it can provide in your day-to-day (hopefully accident-free) operations.\u003c/p\u003e\r\n\u003ch3\u003eIt can help you get more jobs\u003c/h3\u003e\r\n\u003cp\u003eHaving business liability insurance shows clients that your business is trustworthy and that you will take responsibility for your mistakes. That\u0026rsquo;s why some business owners advertise that they are insured.\u003c/p\u003e\r\n\u003cp\u003eIt could give you a competitive advantage if a potential client has a choice between your business and another business that doesn\u0026rsquo;t have insurance.\u003c/p\u003e\r\n\u003cp\u003eMany larger clients also require coverage before they\u0026rsquo;ll sign a contract with you.\u003c/p\u003e\r\n\u003ch3\u003eIt keeps your business in compliance\u003c/h3\u003e\r\n\u003cp\u003eSome states and cities will only give you a business permit if you have an active general liability insurance policy and a \u003ca href=\"/certificate-of-insurance/\"\u003ecertificate of insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eYou might be required to keep your insurance active if your business is certified or accredited by a professional organization.\u003c/p\u003e\r\n\u003ch3\u003eYour commercial lease might require it\u003c/h3\u003e\r\n\u003cp\u003eProperty owners may ask to see your certificate of insurance if you plan to lease commercial space.\u003c/p\u003e\r\n\u003cp\u003eBusiness liability is often required because it shows you will have financial protection that can help cover expenses related to customer injuries at your leased space.\u003c/p\u003e\r\n\u003ch3\u003eIt lets you focus on growing your business\u003c/h3\u003e\r\n\u003cp\u003eBusiness liability insurance can give you peace of mind.\u003c/p\u003e\r\n\u003cp\u003eYou can have protection if a client trips and falls or you accidentally damage a customer's expensive property.\u003c/p\u003e"}},{"@type":"Question","name":"How much does General Liability insurance cost?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003e\u003ca href=\"/general-liability-insurance/cost/\"\u003eGeneral liability insurance costs\u003c/a\u003e are different for each business. It can cost as little as $11 monthly for some low-risk businesses.\u003c/p\u003e\r\n\u003cp\u003eSeveral factors influence the price you\u0026rsquo;ll pay for insurance, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eYour business operations\u003c/li\u003e\r\n \u003cli\u003eThe size of your business\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eYour business needs and how much coverage you want to purchase\u003c/li\u003e\r\n \u003cli\u003ePolicy limits\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eGet a basic estimate of how much general liability can cost with our \u003ca href=\"/general-liability-insurance/calculator/\"\u003egeneral liability calculator\u003c/a\u003e.\u003c/p\u003e"}},{"@type":"Question","name":"How do I get General Liability insurance?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eYou can get business insurance and your certificate of insurance in less than 10 minutes with NEXT\u0026rsquo;s easy online process.\u003c/p\u003e\r\n\u003cp\u003eStart an instant general liability insurance quote to see options for your small business. Here\u0026rsquo;s how the process works:\u003c/p\u003e\r\n\u003cp\u003eWe\u0026rsquo;ll ask you some basic questions about your business and operations, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eHow many years you have owned the business\u003c/li\u003e\r\n \u003cli\u003eNumber of employees\u003c/li\u003e\r\n \u003cli\u003eExpected annual revenue\u003c/li\u003e\r\n \u003cli\u003eRecent insurance and claims history\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eAfter that, you\u0026rsquo;ll have a customized insurance quote for general liability and other recommended coverage.\u003c/p\u003e\r\n\u003cp\u003eIf you like what you see, you can adjust the package limits and make your purchase.\u003c/p\u003e\r\n\u003cp\u003eYour coverage will begin immediately after payment and you\u0026rsquo;ll have access to your certificate of insurance.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart a free instant quote today\u003c/a\u003e.\u003c/p\u003e"}},{"@type":"Question","name":"What other types of business insurance do I need?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eGeneral liability can provide important financial protection for your business after an accident, but it usually doesn\u0026rsquo;t protect businesses from all the risks they face.\u003c/p\u003e\r\n\u003cp\u003eIt's important to consider other types of coverage when exploring your business insurance options and deciding on your risk management plan. For example:\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eOther types of liability coverage\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/professional-liability-insurance/\"\u003eProfessional liability insurance\u003c/a\u003e can help protect your business from losses after a professional mistake.\u003c/p\u003e\r\n\u003cp\u003eDepending on your industry, you might also benefit from \u003ca href=\"/product-liability-insurance/\"\u003eproduct liability insurance\u003c/a\u003e (retail) or \u003ca href=\"/liquor-liability-insurance/\"\u003eliquor liability insurance\u003c/a\u003e (food service).\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eWorkers\u0026rsquo; compensation\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eMost states require workers\u0026rsquo; compensation if you have employees. It can help cover medical expenses and lost wages after an employee\u0026rsquo;s workplace accident.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers\u0026rsquo; compensation insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eCommercial property insurance\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eThis coverage can help pay for a replacement or repair for your business property. General liability only over property that doesn\u0026rsquo;t belong to you.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/commercial-property-insurance/\"\u003ecommercial property insurance\u003c/a\u003e.\u003c/p\u003e"}},{"@type":"Question","name":"Compare General Liability insurance","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eWe’ll walk you through the differences and similarities between General Liability insurance and other types of business insurance policies to help you make the best choice for your business.\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-professional-liability/\"\u003eGeneral Liability insurance vs Professional Liability\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-business-owners-policy/\"\u003eGeneral Liability insurance vs Business Owner's Policy\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/general-liability-vs-workers-compensation/\"\u003eGeneral Liability insurance vs Workers' Compensation\u003c/a\u003e\u003c/li\u003e\r\n \u003cli\u003e\u003ca href=\"/comparison/commercial-property-vs-liability-insurance/\"\u003eLiability insurance vs Commercial Property insurance\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cul\u003e\r\n\u003cli\u003e\u003ca href=\"/comparison/\"\u003e\u003cstrong\u003eCompare other business insurance policies\u003c/strong\u003e\u003c/a\u003e\u003c/li\u003e\r\n \u003c/ul\u003e"}},{"@type":"Question","name":"General Liability FAQ","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eIf you don\u0026rsquo;t find the answers you\u0026rsquo;re looking for, our licensed insurance advisors are standing by to help.\u003c/p\u003e\r\n\u003ch2\u003eIs General Liability insurance required by law?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance is often the first type of coverage purchased by new business owners, but it\u0026rsquo;s not typically required by law.\u003c/p\u003e\r\n\u003cp\u003eHowever, some agencies might require coverage before issuing a professional license or permit. This is common in construction.\u003c/p\u003e\r\n\u003cp\u003eClients might also ask for proof of insurance before they will work with you.\u003c/p\u003e\r\n\u003ch2\u003eWhat is the difference between Professional Liability and General Liability?\u003c/h2\u003e\r\n\u003cp\u003eThis question comes up a lot. That\u0026rsquo;s why we wrote a detailed overview of general liability vs. professional liability.\u003c/p\u003e\r\n\u003cp\u003eHere\u0026rsquo;s a quick overview:\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/professional-liability-insurance/\"\u003eProfessional liability insurance\u003c/a\u003e and general liability insurance offer similar benefits but there is one major difference — professional liability insurance can help cover professional mistakes and accusations of neglect. It's often related to advice you provide to a client or customer, not accidents in the workplace.\u003c/p\u003e\r\n\u003cp\u003eGeneral liability insurance coverage can provide financial protection for accidents that are more physical, such as property damage and injuries involving people who are not your employees.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/comparison/general-liability-vs-professional-liability/\"\u003ethe difference between professional liability and general liability\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eWhat is General Liability aggregate?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability aggregate is a common insurance industry term you'll run into when exploring options for this coverage.\u003c/p\u003e\r\n\u003cp\u003eIt's the maximum amount of money an insurance company will pay out during your policy period, which is usually one year.\u003c/p\u003e\r\n\u003cp\u003eIf your business has expensive claims, you might hit your aggregate limit. In that case, you would be responsible for paying out of pocket to cover the remaining expenses.\u003c/p\u003e\r\n\u003cp\u003eNote that the aggregate limit is different from the \u0026ldquo;per occurrence\u0026rdquo; limit, which is the maximum amount your policy pays out per claim within the term of your policy.\u003c/p\u003e\r\n\u003cp\u003eFor example, if you have a general aggregate liability limit of $300,000 and you\u0026rsquo;ve already made three claims in your policy term (usually a year) for $100,000 each, you\u0026rsquo;ve reached your aggregate limit and your insurance company won\u0026rsquo;t cover any additional claims.\u003c/p\u003e\r\n\u003cp\u003eIt\u0026rsquo;s important to know your aggregate limit when you purchase general liability insurance. If you exceed your limit during your policy term, you will be responsible for paying for any expenses out of pocket that exceed the limit.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/glossary/aggregate-limit-of-liability/\"\u003eaggregate limit of liability\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes General Liability insurance cover property damage?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance can cover expenses related to property damage, but only to property that does not belong to you.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help protect the physical items you need to operate your business:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInventory\u003c/li\u003e\r\n \u003cli\u003eBusiness equipment\u003c/li\u003e\r\n \u003cli\u003eFurniture and furnishings\u003c/li\u003e\r\n \u003cli\u003ePhysical structures.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eA \u003ca href=\"/business-owners-policy/\"\u003ebusiness owner\u0026rsquo;s policy\u003c/a\u003e (BOP insurance) combines general liability insurance and commercial property insurance into one package that is usually less expensive than buying the coverage separately.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/business-owners-policy/\"\u003eBOP insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes commercial General Liability insurance cover automobile liability?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance does not cover automobile liability or any expenses related to business or personal driving.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/commercial-auto-insurance/\"\u003eCommercial auto insurance\u003c/a\u003e can help cover expenses If you drive for business reasons:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eInjuries if you are responsible for an accident\u003c/li\u003e\r\n \u003cli\u003eProperty damage to other people\u0026rsquo;s property\u003c/li\u003e\r\n \u003cli\u003eRepairs for your vehicle\u003c/li\u003e\r\n \u003cli\u003eTowing and rentals if your vehicle is damaged\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/commercial-auto-insurance/\"\u003ecommercial auto coverage\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes commercial General Liability insurance cover theft?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance doesn\u0026rsquo;t cover the theft of your own possessions but it might cover the theft of customer property.\u003c/p\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re repairing a garage door for a homeowner and someone steals her bike while you\u0026rsquo;re out back, general liability could help pay for a replacement.\u003c/p\u003e\r\n\u003cp\u003eBut if any of your personal or business items are stolen, you won\u0026rsquo;t be covered without additional insurance.\u003c/p\u003e\r\n\u003cp\u003eYou can bundle \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e with your NEXT Insurance general liability coverage if you are a contractor or own a cleaning business.\u003c/p\u003e\r\n\u003ch2\u003eWill General Liability insurance protect me if my tools get stolen?\u003c/h2\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re a contractor or own a cleaning business, \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e can protect your belongings if they are damaged or stolen.\u003c/p\u003e\r\n\u003cp\u003eCommercial general liability alone won\u0026rsquo;t provide tools and equipment coverage.\u003c/p\u003e\r\n\u003cp\u003eYou might consider adding tools and equipment coverage if you work frequently at different locations because it will provide financial protection for your equipment wherever you go.\u003c/p\u003e\r\n\u003cp\u003eFor example, if there\u0026rsquo;s a water leak at the new house you\u0026rsquo;re building and your power tools get soaked, your insurance could help pay for new tools.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/tools-and-equipment-insurance/\"\u003etools \u0026amp; equipment insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eDoes General Liability insurance cover employee injuries?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance can help pay for expenses if your business is accused of causing an injury, but injuries to you or your employee are not included.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"/workers-compensation-insurance/\"\u003eWorkers\u0026rsquo; compensation insurance\u003c/a\u003e can help pay for medical expenses and lost wages if an employee is hurt on the job.\u003c/p\u003e\r\n\u003cp\u003eMost states legally require you to purchase coverage as soon as you hire an employee. It also provides benefits for business owners if they get hurt on the job if they purchase optional business owner\u0026rsquo;s coverage.\u003c/p\u003e\r\n\u003cp\u003eLearn more about \u003ca href=\"/workers-compensation-insurance/\"\u003eworkers\u0026rsquo; compensation insurance\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eIs General Liability insurance tax deductible?\u003c/h2\u003e\r\n\u003cp\u003eGeneral liability insurance premiums can typically be deducted from your taxes. It\u0026rsquo;s important to consult with a licensed accounting professional to make sure you qualify.\u003c/p\u003e\r\n\u003cp\u003eThe \u003ca href=\"https://www.irs.gov/publications/p535#en_US_2020_publink100078332\" target=\"_blank\"\u003eIRS\u003c/a\u003e categorizes payments you make for this type of insurance to be both an \u0026ldquo;ordinary and necessary\u0026rdquo; business expense so be sure to keep a file of how much you pay every year for your policy.\u003c/p\u003e\r\n\u003ch2\u003eHow much General Liability insurance do I need?\u003c/h2\u003e\r\n\u003cp\u003eOur small business insurance isn\u0026rsquo;t one-size-fits-all. Each business is unique and has different insurance needs.\u003c/p\u003e\r\n\u003cp\u003eThe coverage you need depends on several factors, including:\u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eThe type of work you do\u003c/li\u003e\r\n \u003cli\u003eHow many employees and subcontractors you have\u003c/li\u003e\r\n \u003cli\u003eThe level of risk your company faces\u003c/li\u003e\r\n \u003cli\u003eThe state where you work\u003c/li\u003e\r\n \u003cli\u003eWhen you complete an instant quote online with Next, you can review options and adjust limits to your preference.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003ch2\u003eWhen will I get my policy documents and proof of insurance?\u003c/h2\u003e\r\n\u003cp\u003eWith NEXT, it can take less than 10 minutes to purchase coverage and you\u0026rsquo;ll have instant access to policy documents and your \u003ca href=\"/certificate-of-insurance/\"\u003ecertificate of insurance (COI)\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eYou can access your documents and COI 24/7 online or in the NEXT app for \u003ca href=\"https://apps.apple.com/us/app/next-insurance/id1580721755\"\u003eiPhone\u003c/a\u003e or \u003ca href=\"https://play.google.com/store/apps/details?id=com.nextinsurance\"\u003eAndroid\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eLearn more about our \u003ca href=\"/certificate-of-insurance/\"\u003edigital certificate of insurance\u003c/a\u003e.\u003c/p\u003e\r\n\r\n\u003ch2\u003eHow do I make a General Liability insurance claim?\u003c/h2\u003e\r\n\u003cp\u003eYou can file a claim anytime and from anywhere online or in the NEXT app.\u003c/p\u003e\r\n\u003cp\u003eYou\u0026rsquo;ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions within 48 hours so you can get back to focusing on your work.\u003c/p\u003e\r\n\u003cp\u003eCheck out our \u003ca href=\"/claim-page/\"\u003eclaims page for more details\u003c/a\u003e.\u003c/p\u003e\r\n\u003ch2\u003eHow quickly are general liability claims resolved?\u003c/h2\u003e\r\n\u003cp\u003eOften, claims decisions are made within 48 hours, although some claims require more time.\u003c/p\u003e\r\n\u003cp\u003eThe specific details of the claim, how bad the damage is, how many people are involved, the availability of information and other factors all contribute to the decision process.\u003c/p\u003e"}}]},{"@type":"Product","@context":"https://schema.org","name":"General Liability Insurance","description":"Best Small Business Insurance Online - Get Free Quote!","aggregateRating":{"@type":"aggregateRating","ratingValue":"4.7","reviewCount":"3393"},"review":[{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Riccardo H."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Joseph Z."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Lance R."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Manuel M."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Luis R."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Mari H."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Michael J."}},{"@type":"Review","reviewRating":{"@type":"Rating","ratingValue":5},"author":{"@type":"Person","name":"Leah S."}}]},{"@context":"https://schema.org","@type":"Organization","name":"Next Insurance","url":"https://www.nextinsurance.com/","sameAs":["https://www.facebook.com/NextInsuranceUSA/","https://www.instagram.com/nextinsuranceinc/","https://il.linkedin.com/company/next-insurance","https://www.youtube.com/channel/UCXKL3pilHs2KJPLaICWskmQ","https://twitter.com/nextinsurance1"],"@id":"https://www.nextinsurance.com/#organization","mainEntity":[],"logo":{"@type":"ImageObject","@id":"https://www.nextinsurance.com/#logo","inLanguage":"en-US","url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","contentUrl":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","caption":"Next Insurance"},"image":{"@id":"https://www.nextinsurance.com/#logo"}}]}},"lmsPath":"https://track.nextinsurance.com","lightPage":null,"breadcrumbs":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.nextinsurance.com/"},{"@type":"ListItem","position":2,"name":"General Liability Insurance"}],"ABTestOptions":{"allowABTest":false,"type":"fullPageABTest","variantNames":[{"variantName":"c_202412_gl_cob_v1"}]},"LMSSerial":"90001"},"__N_SSP":true},"page":"/[...slug]","query":{"slug":[]},"buildId":"PFmghf_4_YmvGUEysYi3l","runtimeConfig":{"s3UploadsBucketURL":"","env":"production","imageHomeURL":"https://www.nextinsurance.com"},"isFallback":false,"isExperimentalCompile":false,"dynamicIds":[9150],"gssp":true,"appGip":true,"locale":"en","locales":["en"],"defaultLocale":"en","scriptLoader":[]}</script></body></html>