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    • Addiction Treatment Centers & Sober Living Facilities
    • Assisted Living/Elder Care
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Petroleum/Energy
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Workers Compensation
      • Individual Life Insurance
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      • Diminishing Deductible
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      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
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      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
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Home > Commercial-Products > Coverage-For-Your-Business > Commercial General Liability - Phoenix AZ & Mesa AZ, LLC

Commercial General Liability in Phoenix, AZ and the surrounding metro area

Accidents happen, especially in businesses. While most of these can be quickly taken care of, some accidents may take a lot more time and money to resolve. Small businesses don’t always have the finances to come back from a lawsuit of millions of dollars.  

General liability insurance is designed to cover accidents that occur on the business property. It can help a business carry the burden of a lawsuit and other expenses related to an accident.  

Horizon Insurance Agency works with business owners across multiple industries to find and adjust general liability policies for their business. Protect your business today by calling us or filling out an online form for a free quote today.  

Common General Liability Insurance Questions  

Do I Need General Liability Insurance?  

Everyone needs general liability insurance. The same goes for businesses. Accidents can happen anywhere at any time, even in the most unexpected ways. A sudden lawsuit can ruin a business that’s not prepared. General liability insurance helps lessen the burden that comes with accidents such as this.  

How is General Liability Insurance Defined?  

General liability insurance is a type of insurance that covers lawsuits and accidents related to non-professional negligent acts.   What Does General Liability Insurance Cover?  

General liability insurance covers three main areas:  

 

  • Bodily Injury: This covers medical expenses as well as legal fees related to a third-party injury on the property.

  • Property Damage: This covers incidents of property damage that occurs out of everyday business activity.

  • Personal/Advertising Injury: This coverage covers personal and advertising injury such as libel, slander, copyright infringement and invasion of privacy.

 

How Much General Liability Insurance Do I Need?  

Most general liability policies begin at $1 million, but your business may need higher limits, depending on the likelihood of lawsuits, size of the business and nature of potential lawsuits.  

How Does General Liability Insurance Work?  

General liability insurance protects both the business and victims in the event of an accident that results in bodily injury, property damage, and personal or advertising injury. The policyholder pays monthly or yearly premiums for coverage. When a claim is filed and approved, the policyholder will receive compensation for certain expenses related to the incident.  

How Much Does General Liability Insurance Cost For A Business?  

General liability insurance prices vary depending on location, the size of the business, the claims history and industry, the deductible and applicable coverage limits. For a $1 million policy, businesses may pay between $300 and $1,000 a year for general liability insurance. 


Who Does General Liability Insurance Cover?  

General liability insurance covers the business and its employees, as well as any victim of a general liability accident.  

 

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7500 N Dreamy Draw Dr
Ste 100
Phoenix, AZ 85020

Phone: 602-992-9750 | Toll-Free: 800-328-6770 | Fx: 602-992-9775
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