One Agency. Multiple Insurance Companies.
Shopping for business insurance shouldn't mean calling company after company. As an independent insurance agency, Dear Insurance Agency can compare general liability coverage and pricing from multiple insurance companies for you.
More Options
We shop multiple insurance companies instead of offering general liability coverage from just one.
Business-Focused Service
Work with a real insurance professional who can help you understand your business coverage and options.
Here When You Need Us
From questions about your policy to changes in your business, you'll have someone you can call.
What Does General Liability Insurance Cover?
General liability insurance can help protect your business from common claims involving injuries, property damage, and certain other liabilities. Coverage varies by policy, but commonly includes:
Bodily Injury
Helps protect your business if a customer or other third party is injured because of your business operations.
Property Damage
Helps cover certain claims when your business causes damage to someone else's property.
Products & Completed Operations
Can help protect your business from certain claims involving products you've sold or work you've completed.
Personal & Advertising Injury
May help cover certain claims involving libel, slander, or advertising-related injuries.
Medical Payments
Can help pay certain medical expenses if someone is injured on your business premises or because of your operations.
Legal Defense Costs
May help with attorney fees and other defense costs for certain covered liability claims.
What Can Affect the Cost of General Liability Insurance?
General liability insurance rates can vary significantly from one business to another. Insurance companies consider several factors when determining your coverage options and premium.
Your Business
Type of business, services provided, annual revenue, years in business, and the size of your operation.
Your Operations
Where you work, the type of work performed, customer interaction, subcontractors, and other business exposures.
Your Coverage and History
Coverage limits, deductibles, prior claims, insurance history, and other underwriting factors.
Frequently Asked Questions About General Liability Insurance
What does general liability insurance cover?
General liability insurance can help protect your business from certain claims involving bodily injury, property damage, personal and advertising injury, and other covered liabilities.
Do I need general liability insurance for my business?
Many businesses carry general liability coverage to help protect against common liability risks. Landlords, clients, or contractors may also require proof of coverage before you can begin work.
Does general liability cover my employees if they are injured?
Generally, employee work-related injuries are handled through workers' compensation insurance rather than general liability coverage. We can help you determine which coverages your business may need.
How much does general liability insurance cost?
The cost depends on factors such as your type of business, operations, revenue, payroll, coverage limits, claims history, and other underwriting factors. We can compare options from multiple insurance companies.