General Liability Insurance
This policy provides protection in instances of non-employee physical injury or damage to third-party property.
Best for:
Visitor slip-and-fall injuries
Employee damage to customer property
Libel, slander, copyright infringement
Small Business Insurance Experts
Strategic Partners Insurance Group has over 500,000 satisfied customers and focuses exclusively on small businesses. Why is Strategic Partners Insurance Group the business insurance company so many organizations rely on? There are many reasons.
Save time
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering
any questions you
may have.
Save money
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.
Save up to 20% on Small Business Insurance
We offer top-rated insurance products at prices up to 20% less than the competition. We also offer fast-and-easy claims and unrivaled customer service. You can call and speak with a small business insurance expert, or you can do everything including purchasing a plan and submitting claims entirely online. Our processes are all designed with efficiency in mind so you can spend less time dealing with insurance and more time focused on your business.
Small business insurance frequently asked questions
We’re always happy to talk with you about your insurance needs, but below are answers to some of the questions business owners frequently ask us.
Am I required to have small business insurance?
Certain types of coverage may be required in your state and for your type of business. Plus, some companies require that the businesses they work with have insurance and some landlords require that you have insurance coverage. Our business insurance experts can help you understand what kinds of policies you need.
Does Strategic Partners Insurance Group provide business insurance in my state?
Most likely, yes. However, it depends on the state you’re in and the type of insurance you’re looking for. Check out our coverage maps for details.
What kind of small business insurance do I need?
Each business has unique insurance needs. Going through our online quote process or talking with one of our insurance experts are two great ways to better understand your needs. However, there are some “rules of thumb” to use as guidance. General liability insurance is needed if customers visit your premises, and errors and omissions insurance is important for individuals or businesses that provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy (also called property & liability insurance) is important. And if you have employees, you’ll need a workers’ compensation policy.
Strategic Partners & Insurance Group Makes Getting General Liability Insurance Convenient
Forget the traditional insurance model. A general liability insurance policy should be easy to understand but also dependable. That’s why we make it easy to get cost-effective general liability insurance for protecting your small business. You can buy a liability insurance policy entirely online, or you can speak with one of our licensed insurance experts for help choosing the general liability insurance coverage that’s right for you.
You’re the boss, after all. Plus, we sell directly to you, so you’ll pay up to 20% less compared to other companies. When you choose a general liability insurance policy with Strategic Partners & Insurance Group, it’s savings and protection all in one.
What is General Liability Insurance?
If you want to ensure that your small business has financial protection from unforeseen claims, general liability insurance is a smart investment. While it’s not always required by law, liability insurance for small businesses may be required by certain contracts or lease arrangements. With a general liability insurance policy from Strategic Partners & Insurance Group, it’s easy to get protection from the costs of:
Property Damage
When customer property is damaged by an employee, your general liability insurance coverage may pay for a replacement. For example: Your contractor accidentally sets fire to a building they are working in, and repair costs will exceed $150,000. Now, you may be liable to pay for the damages and construction costs. With small business liability insurance from Strategic Partners & Insurance Group, you would likely have help covering the costs of those damages.Bodily Injury
If someone other than an employee is injured on your property, general liability insurance coverage can take care of medical expenses plus legal expenses and damages.
Product Liability
If products developed or sold by your business harm people or property, small business liability insurance can pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.
Libel, Slander, and Copyright Infringement
General liability insurance for small businesses can pay for lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.
How Do I Know If I Need a Liability Insurance Policy?
At Strategic Partners & Insurance Group, we understand small business owners and the challenges you face every day. We also know that no two businesses are completely alike, so we don’t try to put you in a one-size-fits-all liability insurance policy.
When you get a quote for small business insurance from Strategic Partners & Insurance Group
, we look at a number of factors to determine the best level of coverage for you, including your industry, business size, and more. We believe in the right liability insurance for small businesses, and our goal is to give you only the coverage you need now—and we can grow that coverage as your business grows.
It’s a Good Idea to Have General Liability Insurance if Your Small Business:
Works face-to-face with clients or customers
Must have general liability insurance before entering into a contract
Represents your client’s business
Uses third-party locations for your business activities
Uses contractors
Sells a physical product to customers
Industries That Typically Need Business Liability Insurance Include:
Retail stores and services
Professional services
Contractors
Auto service and repair
Wholesalers and distributors
Transportation
Recreation
Food service
Healthcare
Customizing Your General Liability Insurance Policy with Endorsements
Your commercial general liability insurance policy can be customized by adding what are called endorsements. An endorsement can either enhance or modify the coverage, depending on your requirements. Some of the most common general liability insurance policy endorsements include:
Cyber
Cyber liability add-on insurance protects your business in the event of an incident like a data breach regarding private customer, employee, or client information. It can also provide coverage for regulatory action defense if a government agency requires you to appear in court.Hired and Non-Owned Auto Liability
This coverage provides protection when you or an employee of your business is driving a rented, leased, hired, or borrowed vehicle for business purposes.Employment-Related Practices Liability
Protects your business in case of a claim or lawsuit related to inappropriate workplace behavior (e.g., wrongful termination, harassment, or discrimination).Employee Benefits Liability
Covers your business in the event of errors or omissions in administering employee benefits, like failing to enroll an employee in a health plan.Contractors Installation, Tools & Equipment
Covers business property, tools, and equipment while at job sites, in transit, or during installation.Liquor Liability
Provides coverage if your business is found liable for damages resulting from serving alcohol—such as serving to a minor or intoxicated individual.
Our commercial general liability insurance experts at Strategic Partners & Insurance Group can help you determine which endorsements make sense for your business.
© 2025 Strategic Partners & Insurance Group SVC. California Dept. of Ins. License no. 6003770
19350 Business Center Drive Northridge CA 91324
© 2025 Strategic Partners & Insurance Group SVC . California Dept. of Ins. License no. 6003770
19350 Business Center Drive, Northridge, CA 91324