General liability insurance protects your business from third-party claims. Essential coverage for property damage and bodily injury liability.
✓ Property damage coverage
✓ Bodily injury protection
✓ Legal defense included
✓ Medical payments coverage
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All Liability Providers (5)
⚖️ Zurich
★ 4.800000000000001/5.0
$420 - $1900
Coverage Types:
General liabilityProducts liabilityCompleted operationsLegal defense
Deductible: $500-$5000
Key Features:
- ✓ General liability
- ✓ Products coverage
- ✓ Completed ops
PROS
- • Strong expertise in multinational liability programs, with a proprietary Multinational Insurance Application (MIA) platform used to coordinate locally admitted policies across 200+ countries and territories
- • AM Best A+ (Superior) financial strength rating on core Zurich North America underwriting entities, supporting capacity for high-limit general liability and excess/umbrella placements
CONS
- • Does not market personal liability, homeowners, or personal auto policies to U.S. consumers — Zurich in North America is almost entirely a commercial carrier, so individual shoppers generally cannot buy direct
- • Distribution is broker-only; no direct-to-consumer quoting website or captive agent force, which can make access difficult for small businesses without an existing broker relationship
⚖️ AIG
★ 4.7/5.0
$390 - $1800
Coverage Types:
General liabilityProducts liabilityCompleted operationsLegal defense
Deductible: $500-$5000
Key Features:
- ✓ General liability
- ✓ Products coverage
- ✓ Completed ops
PROS
- • Strong specialty in high-limit excess and umbrella liability — capacity often reaching $100M+ per policy, suitable for large corporations and ultra-high-net-worth households
- • Market leader in Directors & Officers (D&O) and Errors & Omissions (E&O) liability, with dedicated underwriting for Fortune 500 and multinational risks
CONS
- • Personal lines availability is narrow — AIG largely exited mass-market personal auto/home liability after the 2008 financial crisis bailout and now focuses on the high-net-worth segment via PCG
- • Pricing skews higher than standard-market carriers; not competitive for mainstream consumers seeking basic personal liability or standard auto/home umbrella
⚖️ Hartford
★ 4.6000000000000005/5.0
$360 - $1700
Coverage Types:
General liabilityProducts liabilityCompleted operationsLegal defense
Deductible: $500-$5000
Key Features:
- ✓ General liability
- ✓ Products coverage
- ✓ Completed ops
PROS
- • Comprehensive
- • Bundle savings
CONS
- • Premium costs
- • Complex policies
⚖️ CNA
★ 4.5/5.0
$330 - $1600
Coverage Types:
General liabilityProducts liabilityCompleted operationsLegal defense
Deductible: $500-$5000
Key Features:
- ✓ General liability
- ✓ Products coverage
- ✓ Completed ops
PROS
- • Strong industry-specialized commercial liability programs, particularly for healthcare, technology, manufacturing, construction, and professional services (architects, engineers, lawyers, accountants)
- • AM Best 'A' (Excellent) Financial Strength Rating on principal insurance subsidiaries, with origins dating back to Continental Casualty Company founded in 1897
CONS
- • Does not write personal lines (auto, homeowners, personal umbrella) — consumers seeking individual liability coverage cannot buy direct from CNA
- • Sold exclusively through independent agents and brokers; no direct-to-consumer quoting platform, which can slow the shopping process
⚖️ Travelers
★ 4.4/5.0
$300 - $1500
Coverage Types:
General liabilityProducts liabilityCompleted operationsLegal defense
Deductible: $500-$5000
Key Features:
- ✓ General liability
- ✓ Products coverage
- ✓ Completed ops
PROS
- • AM Best A++ (Superior) financial strength rating, the highest tier, reflecting strong claims-paying ability for long-tail liability claims
- • Deep commercial liability expertise — Travelers is consistently among the top U.S. commercial lines writers by direct premium, with specialized programs for construction, professional liability, and umbrella policies
CONS
- • Pricing for personal auto liability tends to run higher than direct-to-consumer carriers like GEICO and Progressive in many states, per third-party rate comparisons
- • J.D. Power U.S. Auto Insurance Studies have generally placed Travelers around or below the segment average for customer satisfaction in several regions in recent years
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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