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GL coverage · 30+ carriers

Get general liability insurance. From $40/mo, 30+ carriers.

General liability (GL) insurance covers the most common business claims: a customer slipping in your store, a contractor damaging a client's property, an ad campaign accidentally infringing a competitor's mark. Most landlords, clients, and licenses require it. We compare quotes from 30+ commercial carriers and route you to the best fit for your industry and size.

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All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle General Liability, end-to-end.

General liability (GL) insurance covers the most common business claims: a customer slipping in your store, a contractor damaging a client's property, an ad campaign accidentally infringing a competitor's mark.

1

Business profile

We collect your industry NAICS, revenue, employee count, premises locations, and prior claims. Determines which carriers will write you and at what price.

2

Quote comparison

We submit to 30+ carriers and return the top 3-5 options with side-by-side comparison: premium, limits, exclusions, deductible.

3

Coverage selection

Standard limits $1M per occurrence / $2M aggregate. Higher limits available. Optional endorsements: hired and non-owned auto, employee benefits liability, contractual liability.

4

Bind and certificate

Bind coverage with the chosen carrier. Certificate of insurance issued immediately for landlords or clients who require proof.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent general liability pricing.

Government fees pass through at cost. No upsells.

Standard quote

$0
Free quote, you bind direct.

We get you quotes from 30+ carriers free. You pick a carrier and bind direct. Annual premium varies by business profile ($500-$5,000/yr typical for small business).

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Bundle with BOP

$0
GL + property in one policy.

Business Owner's Policy (BOP) bundles GL plus property coverage (your building, equipment, inventory). Often cheaper than separate policies. We quote both ways.

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Multi-line broker

$0
Full insurance broker relationship.

We act as your full insurance broker: GL, BOP, workers comp, cyber, D&O, professional liability. One point of contact, coordinated renewals, claim support. Commission-based; no fee to you.

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FAQ

About the General Liability Insurance Service.

What is general liability insurance?
General liability insurance covers claims of bodily injury, property damage, and related third-party harm arising from your business operations, such as a customer injured at your premises, and it pays defense costs and settlements the entity's shield does not. Most businesses need it, and we flag it alongside forming your entity.
Do I need general liability if I have an LLC?
Yes, they cover different things: the LLC shields your personal assets from the business's liabilities, while general liability insurance pays the claim itself up to its limits. Relying on only one leaves a gap, and we flag both as part of protecting your business.
What does general liability cover?
Typically third-party bodily injury, property damage, and personal and advertising injury from your operations, plus the legal defense, which is often the biggest early cost of a claim. It does not cover your own professional errors or employee injuries. We flag where other coverage is needed too.
Is general liability the same as professional liability?
No: general liability covers physical injury and property damage, while professional liability covers claims that your professional work or advice caused financial harm. Many businesses need both, and we flag which apply to your specific operation.
Do clients or landlords require it?
Often yes: landlords, venues, and larger clients frequently require proof of general liability coverage before they sign a lease or contract, so it can be a prerequisite to doing business. We flag it as part of setup so you can meet those requirements without scrambling.
Does the LLC replace the need for insurance?
No: the LLC contains liability to the entity and protects your personal assets, but it does not pay claims, and a large claim can exceed the business's resources. The strong position is a properly run LLC plus adequate insurance, which we help you set up together.
How much general liability coverage do I need?
It depends on your industry, risk, and any client or lease requirements, with common small-business policies carrying limits in the low millions. There is no single number. We flag the coverage as part of your setup so you can size it to your operation and obligations.
What businesses need general liability most?
Any business with a physical location, customer foot traffic, on-site work, or products, such as retail, contractors, restaurants, and service providers who visit clients, faces the exposure it covers. We flag it especially for those operations when forming the entity.
Can File.Business help me protect my business?
We form the entity that shields your personal assets and flag the general liability and other coverage your operation needs, so the legal shield and the insurance work together rather than leaving a gap when a claim comes.

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SOC 2 Type II audited
220,000+ businesses. 60-day money-back. State fees passed through at cost.
Your operating system, not a transaction
Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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Registered Agent in any stateStart
$0 + state fee Start my business