General Liability Insurance for Small Business – Prolines Insurance Agency
Running a company—whether it’s a startup, home-based venture, or retail shop—comes with unexpected risks. That’s why general liability insurance for small business is a must-have. At Prolines Insurance Agency, we help owners secure affordable coverage that protects against accidents, lawsuits, and financial loss.
Why Liability Insurance Matters for Small Business
The best general liability insurance for small business protects against:
- Customer injuries on your premises
- Third-party property damage
- Legal defense costs
- Advertising and reputational claims
Without business insurance, even one claim could jeopardize your growth.
General Liability Insurance Coverage for Small Business
Here’s what typical general liability insurance coverage for small business includes:
| Coverage Type | Description | Why It Matters |
|---|---|---|
| Bodily Injury | Covers medical expenses after accidents | Prevents lawsuits |
| Property Damage | Pays for client property repairs | Safeguards finances |
| Advertising Injury | Protects against slander & copyright issues | Protects reputation |
| Legal Defense Costs | Pays attorney & court fees | Reduces stress |
General Liability Insurance Cost for Small Business
The general liability insurance cost for small business depends on size, risk, and industry. On average, policies range from $300 – $900 per year.
| Business Type | Average Annual Cost |
|---|---|
| Freelancers/Consultants | $300 – $500 |
| Retail Stores | $500 – $700 |
| Contractors | $600 – $900 |
👉 The California Department of Insurance recommends choosing limits that fit your exposure.
Other Business Insurance Options
Alongside liability, consider:
- Contractor Insurance – for trades and service professionals
- Business Insurance – for wider coverage
- Auto Insurance – protects company vehicles
- Renters insurance – protects leased office or retail spaces
For more guidance, the U.S. Small Business Administration offers resources for small companies.
Frequently Asked Questions
1. How much is general liability insurance for a small business?
It usually costs between $25–$75 per month.
2. How much does general liability insurance cost for a small business annually?
Most companies pay $300–$900 yearly, depending on risk.
3. What is general liability insurance for small business?
It’s coverage that protects from lawsuits, accidents, and property damage claims.
4. How much general liability insurance for small business is recommended?
Most policies include $1M per occurrence / $2M aggregate.
5. Do all small businesses need liability insurance?
Yes—any business that works with clients, vendors, or the public should carry protection.
Why Choose Prolines Insurance Agency
At Prolines Insurance Agency, we provide:
- Affordable small business liability insurance
- Custom coverage packages
- Access to trusted insurance companies
- Free quotes and expert support
📞 Contact us today to protect your future.
