General Liablity

Protect Your Business from the Unexpected

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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.

Why Choose Heffernan for Your Small Business Liability Insurance?

For over 30 years, we’ve helped small businesses find the best general liability insurance for small business needs. Our brokers understand your risks and shop across multiple carriers to find:

  • Flexible policy options
  • Industry-specific coverage
  • Affordable rates
  • Fast claims support

We don’t just sell policies—we build long-term protection plans that evolve with your business.

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Instant Online Quotes, Personalized Broker Support

Need general liability insurance small business online quotes but still want expert guidance? At Heffernan, you get the best of both worlds:

  • Quick quotes online in minutes
  • Real brokers who know your industry
  • Local support for businesses nationwide

Looking for general liability insurance for small business near me? We’ve got offices across the U.S. and deep local knowledge—plus national reach.

Get Your Small Business General Liability Quote Today

Don’t leave your business exposed. Get covered today with a general liability policy for small business that fits your needs and your budget.

Call us or click to get your small business general liability quotes now.

Bundling and Custom Packages

Want more than just GL insurance? Ask us about combining:

  • Commercial property insurance
  • Business owner’s policies
  • Workers’ compensation
  • Professional liability

Save money and streamline your coverage with general small business insurance solutions.

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