Business

General Liability

Protects you when someone gets hurt or their property gets damaged because of your business. Required by most clients or leases.

Per Occurrence Limit

Up to 1M

Aggregate Limit

Up to $2M

Deductible

$0-$5,000

Available

50 States

About This Program

General Liability is designed to help cover third-party bodily injury and property damage claims that arise from your business operations. Whether you're a 1099 contractor, freelancer, or small business owner, it's the foundational policy that helps protect you against the lawsuits, medical bills, and settlement costs that could otherwise threaten your livelihood.

Why It Matters

Third-Party Injuries

If a client, vendor, or passerby is hurt because of your work, General Liability is designed to help cover their medical bills and any lawsuit that follows. For a business of one, a single injury claim could otherwise wipe out your savings.

Property Damage

Accidents happen, and damaging a client's property on the job can lead to expensive repair or replacement demands. This coverage is built to help absorb those costs so a small mistake doesn't become a major financial hit.

Legal Defense

Even a groundless claim can run thousands in attorney fees. Defense costs are typically included, so you have legal support whether or not you're ultimately found at fault.

Instant Certificates

Many clients and venues won't let you start work without proof of insurance. Generate a certificate of insurance instantly, so contracts and gigs never stall.

What General Liability Covers

Protects your business from common risks that every business of one faces

Bodily Injury Claims

Covers medical expenses and legal costs when a client or visitor gets injured at your workspace or during your services.

Property Damage

The policy covers the repair or replacement costs and any resulting lawsuits if you damage a client's property while working.

Advertising Injury

Claims of copyright infringement, trademark violation, or libel in your marketing materials are covered.

Key Features

Third-party bodily injury coverage

Third-party property damage protection

Products and completed operations liability

Personal and advertising injury coverage

Medical payments for injured parties

Legal defense costs included

Additional endorsements available

Instant certificate of insurance

Why you need this

Real situations where general liability insurance protects solo entrepreneurs

Customer slips and falls at your location

A client visits your home office and slips on a wet floor, breaking their wrist. General liability covers their medical bills and any lawsuit they file.

Your work damages client's property

While installing equipment at a client's office, you accidentally damage their expensive computer. We cover the replacement cost and legal fees.

The product you sell causes injury

A handmade product you sold causes an allergic reaction. General liability protects you from the resulting medical claims and lawsuits.

Copyright infringement claim

A competitor claims your marketing materials violate their trademark. We handle the legal defense even if the claim is baseless.

Plan Highlights

Per Occurrence Limit

Up to 1M

Aggregate Limit

Up to $2M

Damage to Premises Rented to You

Up to $50,000

Medical Expense Limit

$5,000

Frequently Asked Questions

What is the difference between Professional Liability and General Liability?

General Liability is designed to cover physical risks like bodily injury and property damage. Professional Liability, also called Errors and Omissions, is designed to cover financial harm a client suffers because of your professional advice, service, or work.

Who needs Professional Liability insurance?

Consultants, freelancers, coaches, designers, and other service-based businesses that give advice or deliver professional work should carry it, because they can be held responsible for a client's financial losses.

What does claims-made coverage mean?

A claims-made policy covers claims that are both made and reported while the policy is active, as long as the incident happened after your retroactive date. Keeping continuous coverage is important to avoid gaps.

Does this policy cover work I did before buying it?

It can. Prior acts coverage and retroactive date options may extend protection to qualifying past work, but this needs to be set up when your policy is issued.

Are my legal defense costs covered?

Yes. Your policy is designed to cover legal defense costs for covered claims. On Professional Liability, defense costs are paid within your policy limit, which means they reduce the amount left to resolve the claim itself. This is standard for E&O coverage.

Am I covered if I work with international clients?

You can work with clients in other countries. Coverage typically applies worldwide, as long as the claim is brought in the U.S.

General Liability Insurance

Protects you when someone gets hurt or their property gets damaged because of your business. Required by most clients or leases.

Starting at $19/month

Not sure what you need?

We'll work together to find the coverage that's right for you.

Solo entrepreneurs often bundle these products for complete protection

Protects against mistakes and negligence claims in your servicesLearn More
Covers damage or loss of your business equipment and inventoryLearn More
Protection from data breaches and cyber attacks on your businessLearn More

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.