General Liability Insurance

Protect your company from a variety of claims including bodily injury and personal injury to others, or property damage and other claims arising from your business operations.

Why Choose Builders Insurance Group as Your General Liability Insurance Company?

Having the proper General Liability insurance coverage with a reliable carrier is good business that protects your livelihood. With Builders Insurance Group, you can select the right coverage options that best fit your unique needs.


Comprehensive Coverage at Competitive Rates

We offer comprehensive coverage tailored to your needs. You can expect competitive rates, flexible deductible options, and few exclusions.

Resolving Claims Effectively and Efficiently

Fast, friendly and efficient claims management staff focused on getting your claim processed as quickly as possible.


AMBest-Rating-A-Excellent

Financial Stability

Builders Insurance Group is rated A "Excellent" by A.M. Best Company, a leading independent insurance rating organization.


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What Does General Liability Cover?

General liability covers your business against lawsuits arising from business operations, such as bodily injury or property damage to third parties.

Start your general liability insurance quote today.

Find an Agent for Business General Liability Insurance

We provide General Liability insurance for businesses in the following states:

  • Alabama
  • Colorado
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Mississippi

  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia

Answers to Frequently Asked General Liability Insurance Questions

What is commercial general liability insurance?

Commercial general liability (CGL) insurance serves as the foundation of business liability protection. It covers many lawsuits seeking damages for unintended harm arising out of business activities, such as injuries to individuals and damages to property that the business owner becomes legally liable for.

Can you get business insurance without a business license?

While we recommend that you obtain the licenses and ID numbers standard to your state and field of work, it is still possible to gain insurance coverage without a business license. Ultimately, insurance companies manage risks, not licenses.

What is the difference between professional liability insurance and general liability insurance?

Both forms of insurance are designed to protect a business from liabilities, but they cover different risks.
General liability covers damages to third-party persons or property. Professional liability covers financial
damages resulting from professional services or advice.

Is general liability insurance required by law for businesses?

This depends on your industry and the state where you operate your business. Sometimes, commercial general liability is not required, but for higher hazard industries like home building, general liability insurance may be a legal requirement - we recommend you consult with a local attorney in your state to determine if insurance is required for your business. However, small businesses struggle most with covering the expensive costs of liability claims, so we strongly recommend that you obtain a general liability policy.

How much does commercial general liability insurance cost?

Insurance policies are tailored to fit your industry, company size, location, specific risks of operations, coverages you choose, the deductible you select, and many other factors. Your Independent Agent will provide options and advice to help you with business insurance needs. You may request a free quote and we will ask an Independent Agent in your area to contact you.

Does general liability cover theft?

Theft protection typically falls under a property insurance policy, not general liability. Remember, general liability is concerned with damages you may become responsible for to others and not property you own.

Do I need liability insurance for my small business?

Small businesses struggle most with covering the expensive costs of liability claims, so we strongly recommend that you obtain a general liability policy.

How much general liability coverage do I need?

The size of your company, the type of work you do, the location, and the risks you face all influence the amount of coverage you need. The best approach is to speak with an Independent Agent, who will help you determine the best-fit coverage for your company. Request a free quote now, and we'll connect you with an Independent Agent in your area.

What is the difference between public liability insurance and general liability insurance?

Public liability insurance (PLI) is concerned with only one third-party group: visitors to your place of business. General liability, on the other hand, covers the public as well as vendors, employees, and business owners.

What is the difference between general liability and business owner's policy?

Business owner's policies (BOPs) are generally for small businesses under certain revenue amounts and lesser property values. These policies combine general liability insurance with property protection at a competitive rate. However, not all companies are eligible for a business owner's policy, such as larger and higher risk businesses. When a business does not qualify for a business owner's policy, it must build the coverage they require with multiple insurance types.

What is not covered by general liability insurance?

Damage to your own property, workers injured on the job (Workers Compensation), and damages you cause while driving your cars or trucks (Commercial Auto) are among the risks not covered under general liability insurance. Also, each general liability policy includes specific risks and hazards that are excluded. We recommend you consult with your Independent Agent to review all aspects of your general liability coverage.

Other Business Insurance Coverage

Builders Insurance Group provides other types of business insurance coverage.