What’s commercial general liability insurance?
Also known as business liability insurance, it helps protect you if someone files a claim or lawsuit against you as a result of a common mishap during your day-to-day operations. This could include something like a customer getting hurt in your store or one of your employees damaging a client’s property. Without coverage, you may have to pay claims and legal costs out of pocket. See note 1
Does your business need general liability insurance?
Every business can be exposed to a broad range of liability risks. So, whether you have a brick-and-mortar or online company, this policy helps you continue to do business as usual if you face claims or lawsuits. You may also be required to have a policy if you have a commercial lease or contract.
If your business needs coverage beyond what general liability insurance can provide, check out our other solutions for small business insurance.
Why choose us for general liability insurance?
If you qualify, it just takes a few minutes to quote and buy a USAA policy online. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.
A commercial specialist can help you choose the right amount of protection. If you have questions about a policy that fits your business needs, call 800-292-8135.
And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.
An easy way to protect your business
If you need a broader range of coverage, consider a business owners policy, or BOP. It provides coverage for general liability, property damage and business income — all in one policy.
What’s the difference between general and professional liability?
It depends on the risks your business may face. General liability insurance provides protection from common mishaps that can happen during normal business operations. Professional liability insurance covers negligence or errors that may cause physical or financial harm to your clients.
In some cases, it may be a good idea to have both types of coverage.
Commercial general liability FAQ
There are several factors that determine the cost, including:
- Size of business
- Type of industry
- Amount of risk
- Assets of the business
- Amount of coverage
It usually won’t cover damage to your property, injuries your employees sustain on the job, and professional mistakes or negligence.
They aren’t common, but some insurers may require you to have a deductible or provide an option to choose one.
Our agency has long-standing relationships with many insurance providers. We make sure they meet our standards of customer service and financial stability. They have dedicated teams ready to ensure USAA members get a great mix of pricing and service.
Make sure your business has the right protection.
Get a quote or talk with a USAA Insurance Agency commercial specialist at 800-292-8135.
