General Liability Insurance for LLCs

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What Is General Liability for LLCs?

General liability for LLC When you started your business, you may have completed an articles of organization to set up a limited liability company (LLC). Forming an LLC separates your personal assets from your business. However, your company still faces risks and claims that can come up during normal operations. That’s where general liability insurance can help. It helps cover claims that your LLC caused:
 
  • Bodily injuries
  • Property damage
  • Advertising injuries
  • Reputational harm
General liability insurance for LLCs is a type of liability insurance that should be an important part of your business’ protection plan. Without general liability insurance coverage, you’d have to pay claims out of pocket if you were responsible for the claim, and not many businesses have the resources to do that.
 

Does a LLC Require Liability Insurance?

Many business owners have questions about liability insurance, like, “When is liability insurance needed?” States don’t require LLCs to carry general liability insurance, but although it’s not required, this type of liability coverage is important to have to help protect your business from everyday risks.
 

How Much Does General Liability Insurance for LLCs Cost?

General liability insurance for LLC cost Every business is different, so general liability insurance for LLC costs vary. Your LLC may pay a couple hundred to over $1,000 for coverage. Insurance companies look at several factors when you get a quote, and they impact businesses differently. Some factors that can affect the general liability insurance costs include your LLC’s:
 
  • Exposure to risk: Your rate can increase if your business faces high risks.
  • Location: If you run your business in an area that’s more prone to weather damage, vandalism or theft, it can increase your insurance cost.
  • Years in business: The longer you’ve been in business, the more experience you have. This can lower your insurance rate.
  • Type of business: Certain businesses have higher rates because of the type of work done. For example, a contractor likely has a higher insurance cost than an accounting firm.
  • Policy details: Deductibles and coverage limits can impact how much your LLC pays for insurance.
The best way to know what your LLC will pay for general liability insurance coverage is to get a .
 

What Does LLC Liability Insurance Cover?

LLC liability LLC liability insurance can help cover claims that come up during everyday operations. General liability insurance coverage can help protect your LLC from claims of:
 
Bodily injury or property damage that your business caused. Your general liability insurance coverage can help pay for a customer’s medical bills or repair costs to fix their damaged property.
 
Advertising injury, such as copyright infringement. If someone sues your business because you used their photos in your ads, your liability coverage can help pay for your legal defense costs.
 
Reputational harm resulting from something you say about another person or business. Your business can get sued if someone claims that your comments in an interview damaged their reputation. Your liability coverage can help cover your legal costs, as well as settlements or judgments.
 

What Doesn’t LLC Insurance Cover?

Be aware that LLC liability insurance doesn’t cover every kind of claim. You may need to get other types of insurance to help protect your LLC. General liability insurance won’t help your business with claims of:
 
Employee injuries or illnesses resulting from their work. Workers’ compensation insurance can give your employees benefits to help them recover from a work-related injury or illness.
 
Mistakes in your professional services that caused a client to suffer financial damages. Professional liability insurance can help cover your costs to defend your business and settlements or judgments awarded.
 
Injury or property damage from an auto accident that you or your employee caused while driving for work. Commercial auto insurance can help protect you and your team while on the road for business.
 

Get a Quote for General Liability Insurance for LLCs

General liability insurance for LLC Not all insurance companies are the same. We have more than 200 years of experience in helping small businesses get the protection they need. In fact, our insurance team has helped over 1 million small business owners. And we want to do the same for you.
 
We’re here to help you every step of the way. Whether you need general liability insurance coverage, want to request a certificate of insurance or need help filing a claim, we’ve got your back. Get a quote today and find out how we can help protect your business and LLC members.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
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