General Liability Insurance

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What is general liability insurance?

General Liability (GL) Insurance helps protect you from claims that happen as a result of normal business operations. GL includes claims for third-party bodily injuries, resulting medical payments, and advertising injuries. General liability is also known as "Business Liability Insurance," or "Commercial General Liability" (CGL) insurance. While we're not here to tell you what to call it, we can help you get the coverage your business needs.

What does general liability insurance cover?

Helps protect your business from claims that come from your normal business operations such as:

  • Property damage
  • Physical injury
  • Defense costs
  • Personal and advertising injury

How much does general liability insurance cost?

The cost of general liability insurance is based on your specific business needs. Your business is unique, and GEICO can help you get an insurance policy with the right coverage at a great price. Start your quote now.

What do these insurance terms mean?

Property Damage

Could include claims costs if you damage someone else's property.

Medical Payments

Medical payments resulting from accidents that occur on your premises or because of your operations, regardless of fault. This could include if a customer slips on a wet floor.

Personal & Advertising Injury

If you're sued for libel and slander, this could provide coverage for those claims.

Does your company need more liability coverage?

Typical businesses that use general liability insurance are:

  • General contractors
  • Landscaping companies
  • IT contractors
  • Real estate agents
  • Consulting
  • Marketing and more

Sometimes your business needs more than general liability insurance. Being properly insured is critical to protecting your company. A few examples of companies that may be better suited with our other businesses insurance products:

  • Your company provides professional services (e.g. education and training)
  • Rent/own a storefront
  • Utilize vehicles to transport goods, yourself, or employees

Do you need other business coverage? GEICO can help.

This 2-in-1 policy includes general liability plus protection for your property. It can cover:

  • Your business location, merchandise, store contents, and equipment
  • Business interruption expenses and loss of income
  • Cases where someone is hurt on your premises

Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.

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We often recommend professional liability coverage to go with general liability or a BOP.

  • Covers certain professional and personal services, in case you're sued for negligence or for the advice you give clients
  • Also known as Errors and Omissions Insurance

Example: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.

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A personal auto policy is not enough to cover vehicles used for business. Commercial auto insurance:

  • Covers business uses that personal auto policies don't include
  • Can offer more liability coverage to protect you
  • Can include cars, pickup trucks, box trucks, and more

Example: On a job site, a carpenter accidentally backs into the homeowner's car. Commercial auto insurance could cover the damage.

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Need to speak with us?

You can reach us at (800) 841-1621

  • Mon – Fri
    8:00 am – 9:00 pm (ET)
  • Sat
    10:00 am – 6:00 pm (ET)

For online quotes:

GEICO Insurance Agency, Inc. has partnered with Hiscox Insurance to provide business insurance products. When you click on "START QUOTE" and "Start your quote now", you will be taken to the Hiscox website, which is not owned or controlled by GEICO.


GEICO has no control over the privacy practices of Hiscox and assumes no responsibility in connection with your use of their website. Any information that you directly provide to Hiscox is subject to the privacy policy posted on their website. All business products offered are written on an admitted basis (Hiscox Insurance Co., Inc.) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.


Business Insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. We can help you secure business insurance in all states except Hawaii.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.