General Liablity

Protect Your Business from the Unexpected with Heffernan Insurance Brokers

If you own a small business, general liability insurance isn’t just a nice-to-have—it’s a foundational layer of protection. At Heffernan Insurance Brokers, we help you secure affordable general liability insurance for small business needs, giving you peace of mind so you can focus on growth, not risk..

What Is General Liability Insurance for Small Business?

General liability insurance—also known as GL insurance—is designed to protect your business from third-party claims of:

• Bodily injury
• Property damage
• Personal and advertising injury

Whether someone slips and falls on your premises or accuses you of slander in an ad, this policy helps cover legal fees, settlements, and medical expenses.
Key coverage for small business owners who interact with clients, customers, or the public

Who Needs General Liability Insurance?

Any business that has a physical location, meets clients face-to-face, or advertises online should consider general liability protection. That includes:

• Retailers and storefronts
• Consultants and freelancers
• Contractors and tradespeople
• Service-based businesses
• Home-based businesses

If a lawsuit or accident could threaten your bottom line, small business general liability insurance is essential.

What Does General Liability Insurance Cover?

When tailored correctly, general liability coverage for small business can help pay for:

• Legal defense costs
• Medical expenses for third-party injuries
• Property damage to a client’s location
• Libel, slander, and copyright infringement
• Court-awarded damages and settlements

Heffernan offers comprehensive general liability insurance for small business, built to match your industry’s risks.

What Doesn’t General Liability Insurance Cover?

While GL insurance is broad, it doesn’t cover everything. Exclusions may include:

• Employee injuries (that’s what workers comp is for)
• Professional errors (covered by E&O insurance)
• Commercial auto accidents
• Intentional damage or illegal activity

Ask us about bundling general liability and workers comp insurance for small business for seamless protection

How Much Does General Liability Cost for a Small Business?

The average cost of general liability insurance for small business varies based on several factors:

• Industry and business type
• Location and size
• Annual revenue
• Claims history
• Coverage limits and deductibles

At Heffernan, we work with top-rated general liability insurance companies for small business to get you competitive rates. Many of our clients pay between $400–$1,000 annually, but quotes can vary.
Get a personalized general liability insurance quote for small business today fast, free, and tailored to your needs.