Business

General Liability

Protects you when someone gets hurt or their property gets damaged because of your business. Required by most clients or leases.

Per Occurrence Limit

Up to 1M

Aggregate Limit

Up to $2M

Deductible

$0-$5,000

Available

50 States

What does General Liability cover?

General Liability is designed to help cover third-party bodily injury and property damage claims that arise from your business operations. For a 1099 contractor, a freelancer, or a small business owner, it is the foundational policy, and it helps protect against the lawsuits, medical bills, and settlement costs that could otherwise threaten your livelihood.

Why General Liability matters?

Third-Party Injuries

If a client, vendor, or passerby is hurt because of your work, General Liability is designed to help cover their medical bills and any lawsuit that follows. For a business of one, a single injury claim could otherwise wipe out your savings.

Property Damage

Accidents happen, and damaging a client's property on the job can lead to expensive repair or replacement demands. This coverage is built to help absorb those costs so a small mistake doesn't become a major financial hit.

Legal Defense

Even a groundless claim can run thousands in attorney fees. Defense costs are typically included, so you have legal support whether or not you're ultimately found at fault.

Instant Certificates

Many clients and venues won't let you start work without proof of insurance. Generate a certificate of insurance instantly, so contracts and gigs never stall.

What General Liability Covers

Protects your business from common risks that every business of one faces

Bodily Injury Claims

Covers medical expenses and legal costs when a client or visitor gets injured at your workspace or during your services.

Property Damage

The policy covers the repair or replacement costs and any resulting lawsuits if you damage a client's property while working.

Advertising Injury

Claims of libel, slander, or use of someone else's advertising idea in your marketing materials are covered. Infringement of copyright, patent, trademark, or trade secret is excluded.

What's included?

Third-party bodily injury coverage

Third-party property damage protection

Products and completed operations liability

Personal and advertising injury coverage

Medical payments for injured parties

Legal defense costs included

Additional endorsements available

Instant certificate of insurance

Why you need this

Real situations where general liability insurance protects solo entrepreneurs

Customer slips and falls at your location

A client visits your home office and slips on a wet floor, breaking their wrist. General liability is designed to help cover their medical bills and defend the resulting claim.

Your work damages client's property

While installing equipment at a client's office, you accidentally damage their expensive computer. The policy is designed to cover the replacement cost and legal fees.

The product you sell causes injury

A handmade product you sold causes an allergic reaction. General liability is designed to respond to the resulting medical claims and lawsuits.

A competitor says your marketing defamed them

A competitor claims a comparison in your marketing materials was false and damaged their reputation. Personal and advertising injury coverage is designed to help pay the legal defense even if the claim is baseless.

Who is this for?

Handyman — Covers property damage if a repair goes wrong at a client's home.

Handyman insurance

Electrician — Covers third-party injury or fire damage from wiring and installation work.

Electrician insurance

Plumber — Covers water damage and job-site injuries most clients require proof of before work starts.

Plumber insurance

Landscaping — Covers equipment damage to a client's property and injuries on the job site.

Landscaping insurance

Cleaning business — Covers accidental damage or theft claims while working inside a client's home or office.

Cleaning business insurance

Personal trainer — Covers injury claims if a client is hurt during a session.

Personal trainer insurance

Photographer — Covers accidents at a shoot and damage to a venue or rented gear.

Photographer insurance

Food truck — Covers customer injury and property damage at events and vending locations.

Food truck insurance

Pet sitter — Covers a pet-related injury or property damage while caring for someone else's home.

Pet sitter insurance

Hair stylist — Covers a client injury or an allergic reaction claim from a service.

Hair stylist insurance

See every profession we cover

What are the limits and deductibles?

Per Occurrence Limit

Up to 1M

Aggregate Limit

Up to $2M

Damage to Premises Rented to You

Up to $50,000

Medical Expense Limit

$5,000

Frequently Asked Questions

What does General Liability insurance cover?

General Liability is designed to help cover third-party bodily injury, third-party property damage, and personal and advertising injury claims that arise from your business operations. It can also help pay medical bills for injured parties and legal defense costs for covered claims.

What does General Liability not cover?

It is not designed to cover damage to your own property, injuries to you or your employees, or mistakes in your professional services or advice. Those risks are addressed by other policies, like Business Property, Workers' Compensation, and Professional Liability.

Is General Liability occurrence-based or claims-made?

General Liability here is occurrence-based, with limits of up to $1 million per occurrence and up to $2 million aggregate. That means the policy is designed to respond to covered incidents that happen while it is active, even if the resulting claim is filed later.

Do I need a certificate of insurance, and how do I get one?

Many clients, landlords, and venues require a certificate of insurance (COI) as proof of coverage before you can start work. With Olli, an instant certificate of insurance is included with your policy, so you can share proof of coverage whenever it's requested.

What is the difference between General Liability and Professional Liability?

General Liability is designed to cover physical risks like bodily injury and property damage. Professional Liability, also called Errors and Omissions, is designed to cover financial harm a client suffers because of your professional advice, service, or work.

Who needs General Liability insurance?

1099 contractors, freelancers, cleaners, photographers, and other small business owners who work at client sites or meet customers in person should carry it. Many clients and leases require proof of General Liability before you can start work.

Get covered with General Liability today.

Protects you when someone gets hurt or their property gets damaged because of your business. Required by most clients or leases.

Starting at $19/month

Not sure what you need?

We'll work together to find the coverage that's right for you.

Solo entrepreneurs often bundle these products for complete protection

Protects against mistakes and negligence claims in your servicesLearn More about Professional Liability
Covers damage or loss of your business equipment and inventoryLearn More about Business Property
Protection from data breaches and cyber attacks on your businessLearn More about Cyber Liability

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.