6 Best General Liability Insurance Companies 2023

We received a quote for a photography business that had limits of $1 million liability and $2 million aggregate. Because we stated our business was photography, The Hartford provided specific coverages that we would need, including drone insurance and data breach liability. The cost for this policy was $1,166 annually.

Online, you can get a quote, purchase a policy, and then manage it. If you prefer to call, it has 24/7 availability for its customers.

Policyholders like The Hartford. Complaints with the National Association of Insurance Commissioners (NAIC) are lower than the national average.

The Hartford is financially sound with two centuries of established success. AM Best has rated it A+ (Superior).

We received a quote for Chubb’s Customarq general liability with limits of $1 million per occurrence and $2 million aggregate. It included a separate $2 million limit for products and completed operations. This quote was for $322 annually.

Chubb’s proprietary Customarq policy packages include general liability as standalone coverage or bundled as a business owner’s policy. Most policies limit coverage to the United States and its territories, but this policy has global coverage, which is good for businesses with overseas operations. So, if someone in another country claims their reputation was harmed because of a post on social media, Chubb can help handle that type of claim.

Some other features are coverage for oral contractual liability and unscheduled partnerships.

You can get a quote and purchase the policy online. If you have a claim, you can file it online or call 24/7. There have been no reported complaints filed against its handling of general liability claims, and Chubb is #2 in J.D. Power’s Customer Satisfaction Survey.

It offers online bill pay, but it is unclear what other policy management options are available for small business owners, including how to get a certificate of insurance (COI).

Chubb is a global insurance company and has the financial strength you want to handle your claims. It is rated A++ (Superior) by AM Best.

We received a standard liability quote for $394 annually. This policy had $1 million per occurrence and $2 million aggregate, and it included products and completed operations liability.

If you have a home on several acres, grow food, and sell it, you might think your homeowner covers that, but the business changes the nature of your property. Nationwide offers CountryChoice® for small farms, a package of property and liability policies. It also has farm liability, which has built-in unfounded animal cruelty coverage and options for product liability.

To purchase general liability from Nationwide, you can get a quote and buy the policy online. If you want to purchase it for your farm, you will need to speak with an agent.

Nationwide has 24/7 claims services for agribusiness and regular businesses. It also has high marks for customer satisfaction, ranking #3 on J.D. Power’s Customer Satisfaction Survey.

Nearly one hundred years old, Nationwide has proven financial resilience. It is rated A+ (Superior) by AM Best.

In 2021, the average liability policy through Progressive was $48 monthly.

We received a quote for $288 annually, and this was for a liability policy with limits of $1 million per occurrence and $2 million aggregate. Progressive didn’t provide many specific details on endorsements or additional coverage.

While general liability doesn’t cover vehicles, Progressive makes sense for general liability because it has established itself as the #1 commercial auto insurer, great for those running a delivery business or regularly transporting items. Through Progressive Advantage Business Program®, it offers discounts to customers who have auto insurance with Progressive.

Online, you can get quotes, purchase and manage a policy, and get proof of insurance for your auto. However, it’s unclear how you can get a COI for your business.

Progressive has the financial capacity you expect from a large auto carrier. AM Best has rated it A+ (Superior).

We received two immediate quotes from CoverWallet and an option to call for more. One was for $531, and the other for $725 annually. Both carried the same limits: $1 million per occurrence and $2 million aggregate and blanket additional insureds. Conveniently, CoverWallet provides information on the carrier, such as its AM Best rating, when you receive a quote.

If you’re unsure of what coverage you need, CoverWallet offers insurance advice. Answer a few questions and then it will recommend coverage.

After purchasing a policy, you gain access to your digital wallet. This is where you can manage your policy, claim receipts, and request advice and even a COI. Depending on the request, it’ll be available instantly or up to 48 hours later.

Aon purchased CoverWallet in 2020. Aon has a rating of A (Excellent) from AM Best.

We received a quote with a total liability limit of $1 million. It also had $1 million for products-completed operations and $50,000 for cyber liability. There was also an endorsement for customer protection, which provides coverage if you damage or lose a client’s personal property while working on their premise. This policy was quoted at $46.88 monthly.

As a new insurance technology (insurtech) provider, Thimble prioritizes the digital experience. Online and through its app, you can get a quote, manage your policy, and file a claim. You can also get instant and unlimited COIs.

Thimble is a managing general agent (MGA) and works with Benchmark Insurance, Markel Insurance, NSIC, and Spinnaker. AM Best ratings for these providers are A- (Excellent) for Spinnaker and A (Excellent) for Markel, Benchmark, and NSIC.