General Liability

Protecting your business from liability claims

Business Liability Insurance is the general term used for General Liability Insurance (GL) and it is used to cover a business from a variety of claims including bodily injuries, damages to property, personal injuries and any other claims that can arise from business operations.   

General liability quotes usually cover the following:

Property damages and bodily injury liabilities 

  • Personal and advertising liability 
  • Medical payments 
  • Products completed operations
  • Any damage to premises rented to you 

Learn more about these coverages to protect your business and how many of these would you consider for your unique risk.   


Support Form (#3)

General liability insurance for contractors

Usually in a Business Owners Policy, general liability insurance is combined with property insurance but through the Firefly Business Program, it is also available as a stand-alone coverage for subcontractors. 

 Some form of business liability insurance is needed for a subcontractor or a small business in order to safeguard its livelihood.  

 From a single, unexpected accident, this could result in a lawsuit that a small business or contractor might not be able to handle and so, it is best to protect yourself against such a situation and make sure that the liability coverage taken matches your level of exposure.  

 As a subcontractor, some employers or clients may request that you already carry a certain amount of general liability before you are accepted to work for them.   

Who needs general liability insurance?

As a subcontractor, it may be that you only want general liability as opposed to the full Business Owners Policy.  An example of this would be that you might not own any commercial buildings that require property insurance or anything that involves payroll or operating expenses, but you are still exposed to liability risks from your job.   

 There may be a change where you are eligible to get general liability insurance for yourself, without the additional coverages in a Business Owners Policy through the Firefly Advantage Business Program.  General liability is offered in addition to a Blanket Additional Insured Coverage to contractors who quality.   

 Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers. 

General liability insurance cost

Discover more about the costs of general liability, the policy rating factors and any money saving tips to help find you the best combination between price and protection for your business.  

 Get in contact with us today or start a quote online. 

Get it all in a BOP

The Firefly Advantage Business Programs offers general liability, along with many other coverages, available in the Business Owners Policy. 

 To protect things like personal property for your business, or commercial buildings, such as garages or storage facilities, there are several additional protections provided in a Business Owners’ Policy.   

Common questions

Is general liability insurance required by law? Does general liability insurance have a deductible? Does general liability insurance cover theft? Is general liability insurance tax deductible? Does general liability cover professional mistakes? What is a certificate of insurance? Can Firefly help me get general liability insurance in my state? Can high-risk businesses get general liability insurance?

No, it is not a requirement by law.  However, you will be forced to pay for all expenses related to a claim against your business if you do not carry any general liability insurance.  Even though it is not a requirement by law, it should be a priority for your business so you are not solely responsible for all the medical bills, legal fees and any other expenses as a result of an accident. 

Yes, when you get a quote, you can choose the amount of your general liability deductible.  A deductible is a fixed out-of-pocket expense you agree to pay before your coverage starts to pay.

Third party damages are paid for under general liability insurance, who are the ones that have made a claim against you.  You are considered the ‘first-party’. 

 To protect your property, we offer Business Personal Property coverage as part of the BOP, Business Owners Policy. 

Yes, the tax is deductible, since general liability premiums are considered ‘a cost of doing business’ and so can usually be written off at tax time.  It is a good idea to consult a tax professional to confirm this. 

No, it does not cover professional mistakes and only provides coverage for claims against you by others for their bodily injuries or damages to their property.  To protect yourself from claims against you for professional neglect or mistakes, you will need professional liability insurance.  


A certificate of Insurance (COI) is an official document that lists all the coverage and limits on an insurance policy.  It is proof that you have insurance and details your policy coverages and limits.   


Yes, Firefly can help you get business insurance in all states, except Hawaii. 

Yes, high risk businesses can get general liability insurance in a speciality market called Excess and Surplus lines (E&S).  This provides coverage for businesses that the standard market doesn’t protect.