The 6 Best General Liability Insurance Companies for Small Businesses

No business operates risk-free. General liability insurance protects your business from costly lawsuits like bodily injury and property damage claims. Below, we’ve assembled our picks for this year’s best general liability insurance companies for small businesses.

Trained specialists with The Hartford tailor business insurance coverage to your unique risks and needs. You may qualify for 5% discounts when you bundle several small-business insurance products.

• Flexible payment options either monthly or yearly
• Over 500,000 US healthcare providers in network
• 5% discount when bundled with workers compensation insurance

Our second-favorite pick for general liability insurance is Hiscox, which focuses on small businesses with 10 or fewer employees. Hiscox is available in all 50 states and offers competitive rates, flexible coverage, and real-time online quotes. The company also provides coverage for legal defense costs.

Travelers sells through a national network of local, independent insurance agents, giving you personalized service backed by Travelers’ 160+ years experience and strong reputation. In addition, a general liability plan with Travelers means:

• Customized, enhanced products and coverage limits available
• 24/7 claims center and mobile app—file online or by phone

This international carrier has more than 100 years of insurance experience in North America. Zurich offers a massive range of business insurance products like liability, commercial auto, and workers comp. With a Zurich policy, you can get the following features:

• Flexible payment options for check, credit, or online payers
• A wide range of business products for companies of any size or industry

GUARD, part of the Berkshire Hathaway group of insurance companies, focuses on insuring small to medium-sized businesses with revenues up to $12M. Major advantages of GUARD include the following:

• Focus on restaurant, hotel, and automotive industries
• Loss control, safety training, and fraud identification

Chubb is a global insurance provider with over 130 years’ experience in insurance and services for businesses. In the United States, Chubb offers special services and commercial liability products for businesses with up to $10M in revenue. Major benefits include the following:

• Enhanced coverages like privacy, earthquake, and cyber data
• Policies automatically including subsidiaries, vendors, and equipment lessors
• World-renowned special risk management services for cybersecurity

General liability insurance coverage should mitigate the risk of third-party lawsuits. Without coverage, your business, its owners, and employees are at risk of paying claim expenses like these:

• Advertising injuries
• Legal defense costs
• Medical expenses
• Property repair or replacement
• Personal injuries
• Settlement from covered suits

Liability claims may come from customers, vendors, or business partners. Bear in mind that general liability insurance doesn’t cover injuries or property damage caused by business owners or employees.

A BOP gives you comprehensive coverage for a variety of risks, all with one trusted carrier.

Consider getting a general liability or BOP quote from one of our top picks to shield your business from costly risks—both expected and unforeseen.

General liability insurance is a must for any business. Our picks above offer thorough options to suit a variety of industries; whatever you’re looking for, one of the insurance providers listed here can help.

Interested in learning more about how crucial insurance for your business? Check out our piece on the best workers compensation insurance companies for businesses like yours.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.