Starting a business is exciting, but it also comes with risks. If you meet with clients, rent office space, or sell products, one accident or lawsuit could cost you a lot of money. That’s where general liability insurance helps.
This guide explains what general liability covers, why you need it, what it doesn’t cover, and how to find affordable protection for your new business.
What General Liability Insurance Covers
General liability insurance protects your business from common problems that can happen with other people (not your employees). Here’s what it usually includes:
1. Bodily Injury:
If someone gets hurt at your business or because of your services, this insurance helps pay for their medical bills and legal costs.
2. Property Damage:
If your business accidentally breaks or damages someone else’s things (like a laptop or office furniture), this coverage helps pay to fix or replace it.
3. Legal Defense:
If someone sues your business — even if you didn’t do anything wrong — this insurance helps cover the cost of a lawyer, court fees, and settlements.
Even if your startup is small, one accident or lawsuit can cause big problems. General liability insurance protects you from the most common and expensive risks — and it’s often cheaper than you think.
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