Business Liability Insurance

Protect your business, protect your peace of mind.

Get a Business Liability Insurance Quote with - Ameri-First Brokerage Corp.

Liability risks grow with your business. We help you stay protected with tailored plans that cover:
General Liability, Cyber Liability, E&O (Errors & Omissions), D&O (Directors & Officers), Malpractice & more

Our experts guide you to the right plan—trusted by business owners across Atlanta, GA and Hicksville, NY.

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Call: 404-909-5581

Licensed in 40+ States

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Best Coverage for Your Business Needs
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What does Business Liability Insurance cover?

Business liability insurance protects your company from financial losses due to third-party claims. This includes bodily injuries on your premises, accidental property damage, and legal defense fees.

It helps business owners like you stay protected in court or during costly settlements so you can focus on running your company.


Already have insurance? Switching is easy

Switching agent/agency allows you better worth for you pocket and service to your accounts and ability to talk with professionals that become your one point of contact, rather than talking to multiple customer service representatives. With our agency you sign up for a professional input/advice that is needed for your particular insurance policy in that time frame. Your trust and benefit is our goal.

We've got answers

Frequently Asked Questions

1.What is Business Liability Insurance?

Business liability insurance (also known as Commercial General Liability or CGL) helps protect your business from financial losses due to claims of property damage, bodily injury, or personal/advertising injury caused by your business activities, products, or employees.

2.What does liability insurance cover?

  • Bodily injury to third parties
  • Property damage to others’ property
  • Personal injury (e.g., libel, slander)
  • Advertising injury
  • Medical payments for on-site injuries
  • Legal defense and court costs

3.What does liability insurance not cover?

  • Employee injuries (covered by workers' comp)
  • Professional mistakes (covered by professional liability)
  • Intentional wrongdoing or illegal acts
  • Commercial vehicle accidents
  • Damage to your own property

4.Why do I need liability insurance?

You likely need business liability insurance if you:

  • Interact with customers or clients
  • Work on other people’s property
  • Sell physical products
  • Advertise your services
  • Lease or own commercial property

5.Is business liability insurance mandatory?

Not always. However, some industries, clients, or landlords may require proof of insurance before doing business with you.

6.How much liability coverage is enough?

A common starting point for small businesses is $1 million per occurrence / $2 million aggregate. Your needs may vary depending on:

  • Industry risk level
  • Business size
  • Client or contractual requirements

7.What is the cost of liability insurance?

Costs vary based on factors such as:

  • Industry type
  • Number of employees
  • Location
  • Claims history
  • Coverage limits

Typical cost: $30–$100/month for small businesses.

8.Which to Choose - General vs. Professional Liability

  • General Liability: Covers physical risks like injuries or property damage.
  • Professional Liability: Covers financial losses due to errors or negligence in your services.

9.Can home-based/freelance businesses get coverage?

Yes. Even solo entrepreneurs, freelancers, and home-based businesses can face liability claims and benefit from coverage.

10.How do I file a liability insurance claim?

  • Notify your insurer as soon as possible
  • Submit documentation (photos, invoices, witness info, etc.)
  • Work with your claims adjuster throughout the process