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General Liability Insurance for Small Businesses

Comprehensive protection that keeps up with your industry.

General liability insurance provided by Cowell James Forge Insurance Group.

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No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

A single liability claim can damage your business’ financial stability. Trends show that small businesses will experience some form of liability loss within 10 years. It pays to be proactive about the risks you face. 

With over a century of combined experience, the Cowell James Forge Insurance Group will put together a personalized general liability business insurance package that meets your needs. We’ll take a look at your industry, operations and other factors that influence business risk, so you’ll know that you’re covered. 

Protection for Small Businesses

As a small business owner, you need professional liability insurance to protect your business. In most cases, smaller ventures do not have pockets deep enough to cover a sudden, huge expense such as a liability claim. General liability insurance coverage protects your small business by helping cover the costs of lawsuits and medical bills that could otherwise close down your business for good. 

Depending on the industry, small businesses face different levels of risk and need specific amounts of coverage. This is why we advocate for customized insurance solutions. 


Business liability insurance covers bodily injury or property damage to people who do not work in your company. For instance, if an individual is injured for some reason on your business premises, general liability insurance covers that injury and some related costs. Or, in the case of property damage, the insurance covers costs if your equipment damages the windows of an adjacent property. 

The general liability business insurance helps covers the cost of:

  • Medical bills
  • Legal fees (representation, evidence costs, settlements, etc.) 

The coverage excludes data loss and reputation damage (for instance, one of your workers defames a client). It also doesn’t cover cases where your company faces a lawsuit for providing inadequate professional advice. If you’re seeking coverage for these types of risks, our agents will discuss your options.

Is It Required of My Business?

Depending on your industry, commercial general liability insurance may be required by law. If you meet your clients at your business or theirs, or if you have physical access to their equipment, you need general liability insurance. Moreover, some businesses require general liability insurance before they sign a contract with you. 

General liability business insurance costs much less than the loss of contracts and, in the worst-case scenario, your entire business!

Get in touch with our team, so you can get a policy that covers your needs. Our agents will assess your situation and provide you with a free quote, along with a detailed breakdown.

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