General liability is the foundation of commercial insurance.

Varies by industry class, revenue, location, and claims history. Most small businesses pay between $400 and $2,000 per year for typical $1M/$2M general liability limits.

general liability claims most often involve a customer injury, property damage at a job site, or a client allegation of damage. What you do early matters.

1. Document the scene immediately. Photos and video of the location, any visible injury, equipment involved, signs and warnings, and conditions at the time of the incident. Memory fades; photos do not.
2. Get witness contact information. Names and phone numbers of anyone who saw what happened. Independent witnesses are extremely valuable in disputed claims.
3. Notify your carrier promptly. Even for minor incidents that may not turn into claims. Most policies require prompt notice and late reporting can be grounds for denial.
4. Do not admit fault or apologize. Express concern for injury and offer practical help. Do not speculate about cause or accept responsibility. Anything you say can be used to establish liability.
5. Preserve any equipment, product, or evidence involved. Do not repair, alter, or dispose of anything connected to the incident. Tag it, photograph it, and store it until the adjuster releases it.
6. Refer all communication to your carrier. If the injured party or their attorney contacts you, take a name and number and refer them to your carrier. Do not negotiate, settle, or discuss the incident directly.