General Liability Insurance for small businesses

Carriers we cover for general liability insurance

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General liability insurance is the foundational third-party liability coverage that virtually every small business needs. The Insurance Information Institute identifies commercial general liability (CGL) as the baseline commercial policy that responds when a business is sued for bodily injury, property damage, or personal and advertising injury caused to a third party.¹² Across Insureon's small-business marketplace, small businesses pay a median of approximately $42 per month for GL, with the full premium range running $265 to $3,030 per year depending on industry class, revenue, state, and claims history.³ Hiscox's annual underinsurance research on U.S. small businesses has consistently found that a meaningful share of small businesses are materially underinsured relative to their actual liability exposure — carrying limits or coverage scope below what a realistic claim would require.⁴ Between the III's foundational framing, Insureon's marketplace pricing, and Hiscox's underinsurance signal, the category-level picture is clear: most small businesses need GL, most of them carry it, and a meaningful subset carry too little of it.

This page walks through who needs GL, what it covers, what it doesn't, how to choose your limits, how it's priced, how to buy it, and which carriers in our coverage set are the stronger matches for different buyer profiles. Every factual claim is tied to a cited source; every carrier recommendation links to our full review of that carrier. Category-level comparisons (cost, coverage, requirements) anchor this page; carrier-specific positioning lives in the individual carrier reviews.

Who needs general liability insurance

General liability is appropriate for virtually every small business that interacts with the public, operates on a customer's premises, or produces a physical product. The qualifying patterns:

• Businesses with physical customer interaction. Retail stores, restaurants, fitness studios, medical and dental practices, salons, childcare, professional offices that see clients. Third-party bodily injury on your premises is the single most common GL exposure.
• Businesses that operate on customer sites. Contractors, home-service businesses (HVAC, plumbing, electrical, cleaning, landscaping), repair technicians, installers, delivery services. Damage caused at a customer's location is a core GL claim pattern.
• Businesses that produce physical products. Manufacturers, food producers, craft businesses, tech-hardware companies. Products-and-completed-operations coverage under a standard CGL addresses some product-liability exposure — though businesses with significant product exposure typically also carry dedicated product liability insurance as a separate line.
• Businesses with commercial contracts or leases. Most commercial landlords, major client contracts, and many professional engagements require proof of GL insurance (typically $1M per occurrence / $2M aggregate) as a condition of the agreement. This is the most common reason businesses buy GL in practice.⁵
• Contractors pursuing state licensing. Several state contractor-licensing boards require GL coverage as a condition of licensing. Alabama's Licensing Board for General Contractors requires GL for state-licensed GCs;⁶ North Dakota's statewide contractor-licensing framework requires proof of GL;⁷ California, Florida, and several other states require GL for specific license types.⁵

Edge cases where GL may not be strictly necessary:

• Pure-digital services with no physical premises, no physical product, and no on-site client interaction have limited inherent GL exposure. Most such businesses still buy GL because contractual requirements effectively mandate it — but the risk-based argument for standalone GL is weaker for a fully-remote SaaS or marketing firm than for a restaurant or a contractor.
• Professional services firms whose primary risk is professional error (law, accounting, consulting) often need professional liability insurance more than GL — but nearly always carry both, because professional-liability coverage doesn't respond to third-party bodily injury or property damage, which are GL-category exposures.

Industry-specific detail: For coverage guidance by industry, see our industry pages — general contractors, restaurants, e-commerce and retail, marketing agencies, consultants, accountants, lawyers, photographers, personal trainers, electricians, plumbers, HVAC businesses, landscapers, and cleaners.

What general liability insurance covers

A standard Commercial General Liability (CGL) policy responds to third-party claims across three broad coverage categories:¹

1. Bodily injury. Physical injury to a person who is not an employee of the business — customers, vendors, visitors, members of the public. The canonical example is a slip-and-fall in a retail store or restaurant, but bodily-injury coverage also responds to injuries caused by the business's products, its operations at a customer's site, or equipment owned or operated by the business (other than autos, which require commercial auto coverage).

2. Property damage. Damage to third-party property caused by the business, its employees acting within the scope of their duties, or its products. Examples: a plumber causing water damage in a customer's home, a landscaper damaging a client's fence, a restaurant grease fire that spreads to an adjacent tenant's space.

3. Personal and advertising injury. Non-physical injury arising from the business's advertising, marketing, or public communications — libel, slander, copyright infringement in advertising, disparagement of a competitor's products, and related offenses. This coverage category is frequently overlooked but addresses exposures that are meaningful for professional services, marketing, and media businesses.

Alongside those three primary categories, standard CGL policies include:

• Medical payments coverage — a small sub-limit (typically $5,000–$15,000) that pays medical bills for minor injuries to third parties on the premises regardless of legal fault. Fast-pay, no-fault coverage that resolves minor incidents before they escalate to full liability claims.
• Legal defense costs — typically paid outside the policy limits, meaning the defense coverage doesn't erode the amount available to pay a settlement or judgment. For a $1M GL policy with defense-outside-limits, the insurer pays defense costs in full plus up to $1M in damages.
• Settlements and judgments — up to the per-occurrence limit for any single claim, with an annual aggregate limit that caps the total amount the insurer will pay across all claims in the policy year.

What general liability doesn't cover

CGL is intentionally scoped — it covers third-party liability in specific categories, not everything a business could be sued for. Eight categories of exposure are standard CGL exclusions and require separate policies:¹⁵

• Employee injuries — addressed by workers' compensation insurance, which is legally required in 49 states and functions as the exclusive remedy for on-the-job injuries. CGL does not respond to employee bodily injury claims.
• Professional errors and omissions — addressed by professional liability / E&O insurance. A consultant's incorrect advice, a software developer's flawed implementation, or an accountant's miscalculation are all E&O exposures, not GL exposures.
• Owned-auto liability — addressed by commercial auto insurance. Accidents involving vehicles owned or primarily used by the business are outside the CGL coverage grant.
• Employment practices — addressed by employment practices liability (EPLI). Wrongful termination, discrimination, harassment, and related claims by current or former employees are EPLI territory.
• Cyber incidents — addressed by cyber liability insurance. Data breaches, ransomware, and related cyber exposures require separate coverage.
• Liquor liability — for businesses that sell or serve alcohol, a specific liquor-liability endorsement or separate policy is required; standard CGL typically excludes liability arising from intoxication.
• Pollution — environmental impairment and pollution liability are excluded from standard CGL; specific environmental coverage is required for exposed classes.
• Intentional or criminal acts — deliberate wrongdoing by the business or its employees is uninsurable as a matter of public policy.

There's also a structural limit worth calling out: CGL covers "insured contracts" (standard lease indemnifications and routine business contracts) but typically excludes contractual liability assumed beyond the scope of normal business operations. If a business signs a contract that indemnifies another party for matters well outside the business's operating risk profile, that contractual assumption may not be covered under standard CGL.

The practical implication: CGL is foundational but not complete. Most small businesses that buy GL also buy a business owner's policy (BOP) that bundles GL with commercial property, and add specialty lines (cyber, professional liability, commercial auto) as exposure-specific coverage.

Policy limits and how to choose them

Choosing the right GL limits is a decision most small-business buyers underthink, and it's where the gap between "the minimum a contract requires" and "the amount your business actually needs" matters most.

Per-occurrence vs. aggregate. Every GL policy has two primary limits:

• Per-occurrence limit — the maximum the insurer pays for any single claim. If a $3M judgment lands on a policy with a $1M per-occurrence limit, the insurer pays $1M; the business is personally liable for the remaining $2M.
• Aggregate limit — the maximum the insurer pays across all claims during the policy year. A $2M aggregate exhausts faster across multiple claims than across a single large claim.

Why $1M per occurrence / $2M aggregate is the standard. Commercial lease markets, client contract requirements, and most state contractor-licensing boards standardized on $1M/$2M decades ago. It has become the de-facto commercial baseline — the combination virtually every commercial landlord, enterprise client, and licensing board requires as a minimum.⁵ Going below it is unusual and typically limits what businesses can contract for; exceeding it is an explicit upgrade.

When to go higher:

• Revenue above $2M/yr. Claim severity tends to scale with operation size. Businesses above the $2M revenue threshold commonly carry $2M/$4M or $3M/$6M limits rather than the $1M/$2M baseline.
• High-risk industry classes. Construction, heavy contracting, event production, alcohol-service venues, fitness-and-wellness with physical training exposure — typical limits start at $2M/$4M and scale from there.
• Contractual requirements above baseline. Some sophisticated clients (large enterprise contracts, government work, premium-market commercial landlords) require $2M/$4M or $5M/$10M as a condition of the engagement. Check every contract before binding, not at renewal.
• Elevated bodily-injury exposure. Businesses with meaningful physical exposure to third parties (fitness, childcare, healthcare-adjacent services, children's activities) should plan for higher limits because medical-payment inflation scales claim sizes faster than premium.

How premium scales with limit. Premium does not scale linearly. Doubling per-occurrence from $1M to $2M typically adds 20-40% to the premium, not 100%. The marginal cost per dollar of coverage decreases as limits rise — which means upgrading from $1M/$2M to $2M/$4M is usually the cheapest way to buy meaningful additional protection relative to the additional risk covered.

The commercial umbrella option. For businesses that need $5M or more in total coverage, a commercial umbrella policy sitting on top of the underlying GL is typically more efficient than raising the GL primary to match. A $1M GL primary + $4M umbrella delivers $5M total coverage at lower total premium than buying $5M GL directly. Umbrella policies also apply excess coverage across multiple primary lines (GL, commercial auto, employers' liability), which primary GL doesn't.

Defense costs: inside or outside limits? Most standard small-business GL policies pay defense costs outside the stated limits — defense is effectively unlimited, and the policy limit is reserved entirely for settlements and judgments. Some policies, especially specialty products or unusually low-priced offerings, pay defense costs within the limits — which erodes the amount available to pay a settlement. Verify this structure before binding, especially on policies priced well below the carrier's category norm.

Matching limits to contract requirements:

• Commercial leases: typically $1M/$2M with landlord named as additional insured, sometimes with a "waiver of subrogation" clause the insurer needs to accept.
• Client contracts: varies significantly. Professional services engagements often $1M/$1M; construction subcontractor agreements often $2M/$4M; enterprise client contracts often $5M/$10M or higher.
• Contractor licensing: most state contractor boards specify minimum limits at or below what lease and contract markets demand. State licensing minimums are usually the floor, not the right number. Check the state board's requirement and every relevant contract; carry the higher of the two.

Cost and how to buy general liability insurance

For full cost analysis with industry breakdowns, top carriers by published starting price, and 2026 benchmark data, see our general liability insurance cost guide.

Insureon's aggregated small-business marketplace data provides the clearest category-level pricing picture: small businesses pay a median of approximately $42 per month ($500 per year) for general liability, with the full premium range running $265 to $3,030 per year depending on multiple factors.³

What drives price within that range:

• Industry class code. A low-risk professional-services consultant may pay near the bottom of the range ($265–$400/yr); a residential roofer, tree-care contractor, or heavy-construction business may pay at or above the top ($2,500–$3,030/yr for small-employer profiles). Industry is the single biggest cost driver.
• Revenue and exposure. Higher revenue generally means higher coverage needs and higher exposure to claims; premium scales with revenue, though less than linearly.
• State. State-specific claim frequency, severity, and regulatory environment affect pricing. High-litigation states (CA, FL, NY, IL) typically see GL premiums above the national median.
• Claims history. Prior GL claims raise renewal premiums materially. A clean 5-year claims history can reduce premium 10–25% against a loss-affected benchmark.
• Coverage limits. The $1M/$2M standard is the starting point; higher limits scale premium, though less than proportionally, as detailed in the Policy Limits section above.
• Deductibles. Most small-business GL policies carry zero or low ($500–$1,000) deductibles for property damage, with higher optional deductibles available for premium reduction.

Industry-specific cost examples (from Insureon marketplace data):

• General contractors: Insureon's GC GL cost benchmark is near $1,090/yr ($91/mo), reflecting elevated-risk class codes.⁸
• Professional services: consultants, accountants, marketing agencies tend toward the lower end of the range.
• Trades: HVAC, plumbing, electrical typically run slightly above median for standard operations.

Carrier pricing floors for micro-business low-risk classes:

• NEXT Insurance publishes a starting GL premium of $19/mo for qualifying low-risk classes.⁹
• Thimble publishes a starting GL premium of $17/mo plus hourly/daily on-demand options.¹⁰
• biBerk publishes GL from $27.50/mo.¹¹
• Hiscox publishes GL from $30/mo for professional-services classes.¹²
• The Hartford publishes a GL average of $68/mo across its small-business book.¹³
• Simply Business publishes an aggregate "from $20.75/mo" based on its 10th-percentile quotes sold January–June 2025.¹⁴

These are carrier floors for the lowest-risk profiles, not representative of what a specific buyer will actually quote. Real pricing comes through the quote flow.

How to place GL coverage — three structural paths:

1. Direct-to-carrier (self-service digital). Carriers like NEXT, Hiscox, biBerk, Thimble, and Hartford accept direct small-business GL placements through their websites.¹⁵ Quote-to-bind takes minutes for standard class codes. Best for buyers whose profile fits an obvious single-carrier match and who value speed over broker-channel advice.

2. Broker-aggregator (panel comparison). Platforms like Simply Business and Embroker place GL across a panel of carriers. One application surfaces multiple quotes; the broker's platform recommends the best match. Best for buyers whose profile could reasonably land on multiple carriers and who value panel comparison over single-carrier speed.

3. Traditional independent agent. A licensed commercial insurance agent places GL through carrier relationships, adds underwriter-discretion support for non-standard profiles, and provides claims advocacy over the policy's life. Best for buyers with non-standard operations (specialty risks, high-hazard classes, unusual exposure profiles) that automated underwriting can decline, or for buyers who specifically want ongoing agent-of-record relationship support.

What underwriters evaluate on a GL application:⁵

• Business entity type and state.
• Specific operations description — generic "consulting" prices differently than "management consulting" vs. "IT consulting" vs. "risk consulting."
• Revenue estimate (current and projected).
• Employee count.
• Years in business and claims history over at least the prior 3 years.
• Coverage limits desired.
• Industry class code (which the underwriter assigns based on operations detail).

Standard underwriting decisions return within minutes for automated platforms; non-standard profiles may require manual underwriter review (24–72 hours).

State-by-state requirements for general liability

General liability is not mandated by state statute in any of the 50 states as a universal business requirement.⁵ GL becomes functionally required through three non-statutory mechanisms:

1. State contractor-licensing boards. Several states require GL coverage as a condition of contractor licensing, though the specific requirement varies by state and license type:

• Alabama — the Alabama Licensing Board for General Contractors requires GL coverage as a licensing condition for state-licensed general contractors. The Alabama Department of Insurance oversees the broader state insurance regulatory framework that governs these requirements.⁶
• North Dakota — state contractor-licensing requirements mandate GL coverage for general contractors working above specific project-dollar thresholds. The North Dakota Insurance Department regulates the state market.⁷
• California, Florida — GL required for specific license types (specialty contractor licenses, general engineering contractor licenses) rather than universally. The California Department of Insurance¹⁶ and Florida Office of Insurance Regulation¹⁷ regulate the state markets; contractor-specific licensing requirements are administered through the respective state contractor boards.
• Other states — Texas,¹⁸ New York,¹⁹ and most other states regulate the insurance market through their respective insurance departments but do not universally require GL for general business operation. Contractor-specific requirements vary.

Buyers pursuing contractor licensing should confirm the specific requirement with the state licensing board, not assume national-level defaults.

2. Commercial lease requirements. Most commercial landlords require tenant businesses to carry GL coverage (typically $1M/$2M) and to name the landlord as additional insured. This is the most common functional GL requirement in practice — across all 50 states, the commercial real estate market effectively mandates GL for tenant-occupied commercial space.

3. Client contract requirements. Professional services engagements, construction subcontracts, vendor agreements, and many B2B contracts include GL insurance requirements — typically $1M/$2M with additional-insured endorsement for the client. Enterprise client contracts and government contracts frequently require $2M/$4M or higher, regardless of state.

Buyers shopping GL as an absolute first commercial policy should confirm: (a) whether their state or locality requires GL for their specific industry class code, (b) whether any existing lease or client contract obligates them to carry GL, and (c) what specific limits and endorsement requirements apply.

Frequently asked questions

Is general liability insurance legally required?

Not by state statute in any of the 50 states as a universal business mandate. It becomes functionally required through commercial leases, client contracts, and specific state contractor-licensing boards — which makes it effectively required for most small businesses even though no state law directly mandates it.⁵

What's the difference between general liability and a BOP?

General liability is a standalone policy covering third-party bodily injury, property damage, and personal/advertising injury. A business owner's policy (BOP) bundles GL with commercial property coverage (covering the business's own equipment, inventory, and space) plus business interruption coverage — typically at a lower combined premium than buying GL and property separately. Most small businesses that need both GL and commercial property buy a BOP rather than standalone GL plus separate property coverage.

How much general liability coverage do I need?

$1M per occurrence / $2M aggregate is the standard starting point and the limit most commercial leases and client contracts require. Businesses with higher revenue, more employees, or higher-risk operations typically carry $2M/$4M or $3M/$6M. A commercial umbrella policy can add excess liability above the underlying GL limits for businesses that need higher total protection. See the Policy Limits section above for a more detailed decision framework.

How much does general liability insurance cost for a small business?

Insureon's small-business marketplace data shows a median cost of approximately $42/month and a full premium range of $265 to $3,030 per year across classes.³ Low-risk professional-services businesses sit near the bottom of the range; trade and contracting businesses tend toward the top. Your actual quote depends on industry class code, state, revenue, claims history, and coverage limits.

Does general liability cover employee injuries?

No. Employee on-the-job injuries are covered by workers' compensation insurance, which is legally required in 49 states. GL specifically excludes employee injuries — separate WC coverage is required for any business with employees.

Does general liability cover professional mistakes?

No. Errors, omissions, or negligence in professional services — giving bad advice, making a calculation error, delivering a flawed software implementation — are covered by professional liability / E&O insurance, not GL. Professional services firms typically carry both GL and professional liability.

Does general liability cover damage to my own business property?

No. GL covers damage the business causes to other people's property. Damage to the business's own property (equipment, inventory, premises) is covered by commercial property insurance, which is typically bundled into a BOP.

Can I buy general liability insurance for a specific event or short period?

Yes — Thimble specifically offers hourly, daily, and short-duration GL policies for event-based, gig-economy, and seasonal exposures. Most other carriers write annual GL only. Thimble's A+ paper (via Arch Insurance Company) with on-demand duration structure is unique in the direct-bind market.¹⁰

Who is the cheapest for general liability?

For qualifying low-risk micro-business classes, Thimble publishes a $17/mo GL floor and NEXT publishes $19/mo — both below the Insureon market median of ~$42/mo. "Cheapest" depends entirely on the buyer's industry class code, state, and risk profile; professional-services classes typically find their best pricing at NEXT or Hiscox, while trades and services often find theirs at NEXT or biBerk.

Do my defense costs count against my GL policy limits?

For most standard small-business GL policies, no — defense costs are paid outside the policy limits, meaning the full limit is preserved for settlements and judgments. Some policies, especially specialty products or unusually low-priced offerings, pay defense within the limits, which erodes the settlement amount available. Confirm this policy feature before binding. See the Policy Limits section above for detail.

Related policies

Small businesses that buy general liability typically need additional coverage for exposures GL doesn't address:

• Business owner's policy (BOP) — bundles GL with commercial property and business interruption; usually priced below the cost of buying the two policies separately.
• Workers' compensation insurance — legally required in 49 states for businesses with employees; covers employee injuries GL excludes.
• Professional liability / E&O insurance — covers errors and omissions in professional services that GL excludes.
• Commercial auto insurance — covers owned-vehicle liability that GL excludes.
• Cyber liability insurance — covers data-breach and cyber exposures that GL excludes.
• Commercial umbrella / excess liability — provides excess coverage above the underlying GL limits for businesses that need higher total protection.
• Product liability insurance — covers product-specific liability exposures; standard CGL addresses some product liability but dedicated product coverage is common for manufacturers. Not yet in our coverage set.

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Citations

1. Commercial General Liability Insurance — https://www.iii.org/article/commercial-general-liability-insurance ↩ ↩² ↩³

2. Types Of Policies — Commercial Insurance — https://www.iii.org/publications/commercial-insurance/what-it-does/types-of-policies ↩

3. General Liability Insurance Cost — https://www.insureon.com/small-business-insurance/general-liability/cost ↩ ↩² ↩³

4. Hiscox 2025 Underinsurance in Small Business Report — https://www.hiscox.com/underinsurance ↩

5. General Liability Insurance Requirements — https://www.insureon.com/small-business-insurance/general-liability/requirements ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷

6. Alabama Department of Insurance — https://www.aldoi.gov ↩ ↩²

7. North Dakota Insurance Department — https://www.insurance.nd.gov ↩ ↩²

8. Insureon - General Contractor Insurance Cost — https://www.insureon.com/construction-contracting-business-insurance/general-contractors/cost ↩

9. NEXT General Liability Insurance Cost — https://www.nextinsurance.com/general-liability-insurance/cost/ ↩

10. Thimble General Liability Insurance Cost — https://www.thimble.com/general-liability-insurance/cost ↩ ↩²

11. biBerk General Liability Insurance — https://www.biberk.com/small-business-insurance/general-liability-insurance ↩

12. Hiscox General Liability Cost — https://www.hiscox.com/small-business-insurance/general-liability-insurance/general-liability-insurance-cost ↩

13. The Hartford — How Much Is Business Insurance — https://www.thehartford.com/business-insurance/how-much-business-insurance-cost ↩

14. Simply Business — General Liability page — https://www.simplybusiness.com/business-insurance/general-liability-insurance/ ↩

15. Best General Liability Insurance Companies — https://www.insureon.com/small-business-insurance/general-liability/best-companies ↩

16. California Department of Insurance — https://www.insurance.ca.gov ↩

17. Florida Office of Insurance Regulation — https://www.floir.com ↩

18. Texas Department of Insurance — https://www.tdi.texas.gov ↩

19. New York State Department of Financial Services — https://www.dfs.ny.gov ↩

Top carriers

Compare top general liability insurance carriers

Recommended carriers for this coverage, ranked against our 6-dimension methodology.

Sub-threshold = fewer than 20 NAIC complaints in 3 years (data is too sparse to score reliably). N/A (broker) = not a carrier. See full methodology →

Carrier	Our score	Positioning	Starting price	Coverage	Claims	AM Best	NAIC index	States	Quote channel
Editor's pick	7.8	Digital-native micro-business	Cyber $4/mo	7.0/10	7.5/10	A+	Sub-threshold	50 states	Direct online
	7.0	Professional services E&O focus	GL $30/mo	7.5/10	8.0/10	A	8.15	50 states	Direct online
	7.2	Berkshire-backed contractual umbrella	GL $28/mo	8.0/10	8.0/10	A++	13.25	50 states	Direct online
	7.9	Single-carrier program for SMBs	GL $68/mo	9.0/10	8.0/10	A+	Sub-threshold	50 states	Direct online
	7.4	Gig and event-based	GL $17/mo	6.5/10	7.0/10	A+	Sub-threshold	50 states	Direct online
	8.1	Broker comparing 8+ carriers	GL $21/mo	8.5/10	7.5/10	—	N/A (broker)	50 states	Broker portal

About complaint index data: Values are 3-year averages from NAIC Consumer Information Source for commercial liability. Carriers with fewer than 20 complaints in the 3-year window are labeled "sub-threshold". A reliability call about data volume, not a finding about the carrier. Brokers (Category D) are structurally N/A. See our complete methodology.

• Editor's pick
  
  7.8

  Positioning

  Digital-native micro-business

  Starting price

  Cyber $4/mo

  Coverage

  7.0/10

  Claims

  7.5/10

  AM Best

  A+

  NAIC index

  Sub-threshold

  States

  50 states

  Quote channel

  Direct online

• 
  7.0

  Positioning

  Professional services E&O focus

  Starting price

  GL $30/mo

  Coverage

  7.5/10

  Claims

  8.0/10

  AM Best

  A

  NAIC index

  8.15

  States

  50 states

  Quote channel

  Direct online

• 
  7.2

  Positioning

  Berkshire-backed contractual umbrella

  Starting price

  GL $28/mo

  Coverage

  8.0/10

  Claims

  8.0/10

  AM Best

  A++

  NAIC index

  13.25

  States

  50 states

  Quote channel

  Direct online

• 
  7.9

  Positioning

  Single-carrier program for SMBs

  Starting price

  GL $68/mo

  Coverage

  9.0/10

  Claims

  8.0/10

  AM Best

  A+

  NAIC index

  Sub-threshold

  States

  50 states

  Quote channel

  Direct online

• 
  7.4

  Positioning

  Gig and event-based

  Starting price

  GL $17/mo

  Coverage

  6.5/10

  Claims

  7.0/10

  AM Best

  A+

  NAIC index

  Sub-threshold

  States

  50 states

  Quote channel

  Direct online

• 
  8.1

  Positioning

  Broker comparing 8+ carriers

  Starting price

  GL $21/mo

  Coverage

  8.5/10

  Claims

  7.5/10

  AM Best

  —

  NAIC index

  N/A (broker)

  States

  50 states

  Quote channel

  Broker portal

Full per-carrier analysis lives in each carrier review. See our scoring methodology for how we weight the dimensions above.