General Liability Insurance

General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but general liability insurance also is available to many contractors as standalone coverage through the Progressive Commercial AdvantageSM program.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.

general liability insurance

Besides general liability insurance, most states also require that businesses with employees pay workers’ compensation insurance and state disability insurance. For specific requirements, read more about Insurance Requirements for Employers.

Depending on the nature of your business, you may also need auto insurance, home business insurance, alcohol liability insurance (if you sell or serve alcohol), product liability insurance, environmental and pollution insurance, and more. Read more about small business insurance requirements.

General Liability Insurance for Contractors

If you’re a contractor, we understand you might only need general liability insurance – not a BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks in your job.

You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Progressive Commercial Advantage program. We offer general liability insurance, as well as *Blanket Additional Insured Coverage to contractors who qualify.

With the day-to-day uncertainties of small business management, general liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned.

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind.

For example, any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit. Nationwide can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more.