General Liability Insurance — Protect Your Business From Costly Claims
- We know your energy is better spent growing your business — not worrying about unexpected claims. That’s why we make general liability insurance simple, affordable, and fast. With instant quotes and same-day proof of coverage in most cases, you can protect your business without missing a beat.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs General Liability Insurance?
- Every business—large or small—needs general liability insurance. If your company interacts with customers, clients, vendors, or the public in any way, you face potential liability risks. A slip-and-fall accident, accidental property damage, or even an advertising claim could lead to expensive lawsuits.
- General Liability Insurance is essential for:
- Contractors and trades: roofers, painters, carpenters, electricians, general contractors.
- Retail and hospitality: shops, restaurants, bars, and hotels with daily customer interactions.
- Professional services: consultants, IT firms, marketing agencies, photographers, event planners.
- Logistics and industrial: trucking companies, warehouses, manufacturers, and construction firms.
- Small businesses and start-ups: even home-based or single-person businesses need coverage to secure contracts and protect against claims.
- Without liability insurance, a single claim could drain your finances, damage your reputation, or stop you from winning contracts. With Covella, you get fast, affordable, and tailored coverage that grows with your business.
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
In most cases, general liability insurance is not legally required. However, many landlords, lenders, and clients demand proof of coverage before signing leases, contracts, or agreements. It’s also strongly recommended to protect your business from lawsuits and financial losses.
A general liability policy typically covers:
- Third-party bodily injury (like customer slip-and-fall accidents).
- Third-party property damage.
It also pays for legal defense costs, settlements, and judgments.
Every business that interacts with clients, customers, vendors, or the public should carry general liability coverage. This includes contractors, retailers, restaurants, IT firms, consultants, fitness trainers, and even home-based businesses.
Costs vary based on your industry, business size, location, and claims history. On average, small businesses pay between $30–$80 per month for general liability coverage. Covella helps you compare rates from multiple carriers to secure the most affordable policy.
General liability does not cover employee injuries (covered by workers’ compensation), professional mistakes (covered by professional liability), business property damage (covered by commercial property insurance), or commercial auto accidents.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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- info@covella.com
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