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General Liability Insurance for Small Businesses

General Liability Insurance protects businesses against third-party claims of bodily injury, property damage, personal injury and advertising injury. Coverage is essential for shielding your operation from costly litigation and judgments related to incidents occurring during normal business activities. General Liability policies typically cover medical expenses, legal fees, settlements or awarded damages that you are legally obligated to pay due to covered claims by third parties alleging injuries or damages caused by your products, services or actions.

Get a free, no-obligation quote today from BenePac to secure comprehensive General Liability Insurance coverage tailored to your organization. Contact us to put the right safeguards in place for your employee benefits program.

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What is General Liability Insurance?

General Liability Insurance covers the costs of defending against covered lawsuits and paying settlements or judgments if the business is found legally liable. This type of liability coverage is a core policy most businesses carry to protect against injury or damage claims arising from their products, services or operations. It provides crucial financial protection for the significant legal expenses and settlement costs associated with liability claims made against a company.

How Does General Liability Insurance Work?

General Liability Insurance protects businesses from third-party claims of bodily injury, property damage, personal injury and advertising injury by covering defense costs and settlements. This essential policy provides financial protection against liability claims arising from a company's products, services or operations.

Here's how it works:

  • You take precautions like implementing safety protocols, proper training and risk management procedures to prevent incidents at your business premises or job sites.
  • However, preventive measures have limitations, and accidents or oversights can still occur, leading to bodily injuries, property damage or personal and advertising injuries.
  • If your company faces a liability claim by a third party alleging such injuries or damages, a General Liability insurance policy provides coverage for the resulting expenses and legal liabilities.
  • When a covered claim arises, the general liability insurance covers costs like medical expenses, legal defense fees, settlements or judgments awarded to the third party, as well as other claim expenses for your operation.

What Does General Liability Insurance Cover?

Bodily Injury General Liability Insurance

Bodily Injury

Covers claims arising from injuries to third parties caused by your business operations or employees.

Property Damage General Liability Insurance

Property Damage

Covers claims for damages to third-party property caused by your business.

Personal and Advertising Injury General Liability Insurance

Personal and Advertising Injury

Covers claims involving libel, slander and copyright infringement in ads.

Medical Payments General Liability Insurance

Medical Payments

Provides coverage for medical costs if someone is injured on your premises, regardless of fault.

Products-Completed Operations General Liability Insurance

Products-Completed Operations

Extends coverage to bodily injury or property damage caused by products you made or work you completed.

Legal Defense General Liability Insurance

Legal Defense

Pays for lawyers to defend your company against covered liability claims or lawsuits.

Settlement and Judgement General Liability Insurance


Covers court-ordered judgments or settlements you legally must pay to third parties.

What is Not Covered?

General Liability policies exclude claims arising from intentional or fraudulent acts committed by the insured. Professional liability claims related to services rendered or misconduct are not covered under a standard general liability policy. Employment-related claims like worker injuries (covered by workers' compensation), harassment or discrimination are also excluded. Damages to the insured's own property or product recalls are not insured events under most general liability insurance contracts.

How Much Does General Liability Insurance Cost for a Business?

General Liability Insurance premiums vary depending on the size of the business, industry class, location, claims history and coverage limits selected. Smaller businesses may pay a few hundred dollars annually for a basic policy, while larger operations face much higher premiums into the thousands of dollars. Riskier industries like construction tend to have higher rates compared to lower-risk office environments. Ultimately, insurers analyze multiple rating factors specific to each applicant to determine appropriate pricing.

Why Choose BenePac for General Liability Insurance?

With over 40 years of expertise in delivering employee benefits and insurance solutions, BenePac is the ideal choice for General Liability Insurance. Our tailored approach ensures your insurance policy matches your business requirements. Unlike generic options, we conduct thorough risk assessments and operational analyses to craft a package with optimal coverages and limits. Whether you operate a large corporation or a small business, BenePac offers affordable solutions to provide financial security and peace of mind.

The Benefit Companies, Inc. provides full-service business administration solutions to companies in Wisconsin and nationwide, including out of Appleton, Brookfield, Eau Claire, Green Bay, Kenosha, Madison, Milwaukee, Oshkosh, Racine, Waukesha and beyond.