General Liability Insurance That Actually Protects Your Business
One customer slips on your floor. One damaged client property. One advertising claim. Without general liability insurance, any of these could cost you everything you've built. Get affordable commercial general liability coverage from Ohio's trusted independent agency.
Get the Coverage Every Business Owner Needs
You've worked too hard to lose everything over a single accident. As an independent agency, we help business owners like you find comprehensive general liability coverage that protects against customer injuries, property damage claims, and advertising liability. Take 5 minutes to get your free quote and ensure your business assets are protected from potentially devastating financial loss.
What General Liability Insurance Generally Covers
General liability insurance is your business's first line of defense against third-party claims. It covers bodily injury if a customer slips and falls at your location, property damage if your work damages a client's property, personal and advertising injury including libel or copyright infringement claims, and medical payments for minor injuries regardless of fault. Our experienced agents help you determine appropriate coverage limits based on your industry risks, ensuring you have adequate protection without overpaying for unnecessary coverage.
We Offer Additional Coverage Options
While general liability covers most common business risks, certain exposures require specialized protection. That's why we offer additional plans, including professional liability for errors and omissions, product liability for manufacturers, cyber liability for data breaches, and commercial umbrella policies for extended liability limits beyond your base coverage.
Additional Business Insurance Options
- Professional Liability
- Product Liability
- Commercial Umbrella
- Cyber Liability
- Commercial Auto
- Business Owners Policy
- Commercial Property
Start Saving in Minutes
With 4 Easy Steps to Better Coverage & Savings
Share Your Business Insurance Needs
Tell us about your business - it takes just 5 minutes online or by phone.
Review Your Insurance Options
We'll compare rates from top-rated carriers to find your best protection and savings.
Choose Coverage & Save
Select your preferred coverage and start protecting your business today.
Enjoy Peace of Mind
Knowing your unit and belongings are fully covered.
Why Ohio Businesses Choose Stanley Insurance Group
Join hundreds of satisfied business clients who trust us for comprehensive liability protection at competitive rates. Our Google rating and A+ BBB score reflect our commitment to protecting Ohio businesses.
We Maximize Your General Liability Coverage
Most Ohio business owners don't realize they can reduce liability costs while improving protection.
You can SAVE up to:
- 25% with claims-free history
- 20% by bundling with property coverage
- 15% with safety programs
- 10% industry association discounts
Let our team find every discount you qualify for or check out our blog for more ways to protect your business.
Get Answers About General Liability Insurance
Expert answers to help you understand your coverage options and safeguard your business from liability claims
If customers visit your business, you work at client locations, or you could be sued for injury or property damage, you absolutely need general liability coverage. Even one lawsuit can bankrupt an uninsured business. Many clients and vendors require proof of liability insurance before working with you. Don't risk everything you've built over one accident.
Most businesses carry $1-2 million in coverage, though requirements vary by industry and contracts. Service businesses often need higher limits due to client location risks, while office-based businesses may need less. We'll review your specific exposure and contract requirements to recommend appropriate coverage limits.
General liability excludes professional errors, employee injuries, auto accidents, intentional acts, and certain property you own or rent. That's why we often recommend pairing it with professional liability, workers' compensation, and commercial auto coverage for complete protection.
Costs vary based on your industry, revenue, number of employees, and claims history. Most small businesses pay $400-$1,500 annually for basic coverage. Higher-risk industries like construction pay more, while office-based businesses often pay less. Get a personalized quote to see your actual cost.
Yes, though your homeowners policy won't cover business liability. Whether you meet clients at home, store inventory, or simply need protection from business-related claims, we can find affordable coverage. Many home-based businesses pay under $500 annually for adequate protection.
Our Carrier Partners
Talk to Our Agents About Safeguarding Your Business Today
Take 5 minutes to see how much you could save. Our team is ready to find you comprehensive liability coverage at a competitive rate. Don't wait - one claim could change everything.
