General Liability Insurance for Small Business Owners
•SafeBridge Insurance Group
What GL Covers
- Bodily injury to third parties
- Property damage to third-party property
- Personal injury (slander, libel)
- Advertising injury
Pricing by Industry (2026)
| Industry | Annual Premium |
|---|---|
| Cleaning | $580-$1,600 |
| Construction | $2,000-$5,000+ |
| Moving | $1,200-$3,000 |
| Auto shops | $800-$2,000 |
| Restaurants | $1,000-$3,000 |
Same-Day COI
Required by general contractors and landlords. SafeBridge issues COI same-day in most cases.
Frequently Asked Questions
How much does General Liability cost?+
GL pricing varies by industry: cleaning $580-$1,600/year, construction $2,000-$5,000+, moving $1,200-$3,000, auto shops $800-$2,000, restaurants $1,000-$3,000.
What is BOP and how is it different from GL?+
BOP (Business Owners Policy) bundles GL + commercial property insurance. ~$2,259/year average. More cost-effective than buying GL and property separately for small businesses.