Insurance
General Liability

General Liability

Protect your business when the unexpected affects someone else

A client slipping in your store, damage caused at a property where you are working, or food you sold that ends up causing food poisoning. Any of these scenarios can lead to a lawsuit. General Liability insurance is the foundation of protection for self-employed individuals and small businesses; it covers compensation claims and your legal defense, ensuring that an unforeseen event doesn’t impact everything you’ve built.

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Coverages

Required coverages vary by state.

Covers medical expenses, damages, and legal defense costs if a client or visitor gets injured or becomes ill due to your business activities.
Covers damage you or your team causes to a customer’s property or someone else’s belongings.
Pays medical expenses for someone injured at your business location without requiring proof of fault. This can help resolve issues quickly and avoid lawsuits.
Protects against claims involving libel, slander, invasion of privacy, or the unauthorized use of images or brands in advertising.
Covers fire damage your business causes to rented premises, such as an office or retail space.
Protects your business against claims if a product you sold or a completed service later causes injury or damage, such as food poisoning.
Covers certain liabilities you assume under contracts with customers. This coverage isn’t always included, so check your policy.
Adds a customer, contractor, or property association to your policy for certain protections. This is a common requirement in construction and service contracts.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

01
Choose the insurance

Use the list to switch scenes.

02
Click on the numbers

Hotspots mark risk situations.

03
Read the coverage

Risk and solution side by side.

    How it works

    From quote to policy in three steps
    01
    Tell us about your situation

    What you want to protect, who needs coverage, and your history.

    02
    We compare insurers

    We show prices and coverages side by side, and explain the differences.

    03
    You end with an active policy.

    We handle the paperwork, and you receive the documents via email.

    FAQ

    Almost any business that serves customers or works at other people’s homes or businesses, including contractors, painters, electricians, plumbers, landscapers, cleaning companies, salons, retail stores, restaurants, and offices.
    A Certificate of Insurance (COI) is a document proving that you have insurance. Many customers, contractors, and property associations require one before signing a contract. Lumio can help you get yours quickly.
    No. Work-related employee injuries are covered by Workers’ Compensation. General Liability protects against claims involving people outside your business, such as customers, visitors, and neighbors.
    That’s covered by Commercial Auto Insurance. General Liability doesn’t cover auto accidents.
    No. This insurance protects others against certain injuries or damage for which your business is responsible. To protect your business property, consider a BOP or CPP.
    The price depends on your business activities, revenue, number of employees, claims history, and selected coverage limits. Higher-risk businesses, such as construction companies, generally pay more than offices.
    Yes. A single lawsuit can cost far more than years of insurance, and many customers only hire businesses that can show proof of coverage.
    Contact us by email, phone, or WhatsApp, or schedule a meeting. We’ll compare your current coverage with options from multiple insurers and send you the best matches.
    Licensed

    We know the requirements of each state we operate.

    Independent

    We get quotes from various insurance companies and compare them for you.

    In your language

    Support from the initial contact through to renewal.

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    Tailored protection for growing businesses.

    Find out how much your insurance costs

    Free quote, no obligation, with a response within 1 business day.

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