Protect Your Business From Liability
Every company is exposed to liability, even if it’s only a slip and fall or the opinion that your product isn’t effective. But choosing the right policy can be difficult because there are so many alternatives. That’s where Peachy Insurance comes in.
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You Can Do Everything Right and Still Get Sued
Liability claims rarely announce themselves. A customer slips, a finished job damages a client's property, an ad draws a complaint. General liability coverage is built to respond when your business gets blamed, so one incident doesn't undo years of work.
The defense is most of the battle
Most liability claims never reach a verdict. They reach a lawyer. A general liability policy is designed to provide a defense for covered claims, including suits that turn out to be groundless, so the legal bills don't come straight out of your pocket.
The proof that opens doors
Landlords, client contracts, and licensing boards often ask for a certificate of insurance before you can sign a lease, bid a job, or open your doors. General liability is usually the policy behind that certificate. We handle certificate requests so a coverage question doesn't hold up the deal.
Built around how you actually operate
A storefront, a client-site trade, and a home-based business carry different exposures. Foot traffic, finished work, off-premises jobs, and what your contracts require all change the coverage you need. We build yours around your operations, not a template.
How the Policy Responds When You're Blamed
Bodily Injury Liability
Responds when your business is blamed for injuring someone outside it, whether it happens on your premises or through your work. Helps cover their medical costs and your legal defense, up to the limit you select.
Property Damage Liability
Responds when your business damages property that belongs to someone else, like a client's equipment or a neighboring space. Helps pay to repair or replace it, up to your policy limit.
Personal & Advertising Injury
Responds to claims like libel, slander, copyright infringement in your advertising, or use of another business's advertising idea. Helps cover defense and damages for covered claims.
Medical Payments
Pays limited medical costs when a customer or visitor is hurt at your business, no matter who was at fault. It settles small injuries fast, before they turn into larger claims. The least expensive way to keep an accident from becoming a lawsuit.
Products & Completed Operations
Responds when a product you sold or a job you finished causes injury or property damage after the work is done. Helps cover claims that surface once you have already left the site.
Damage to Premises Rented to You
Covers fire and certain other damage to a space you rent, like your storefront or office. It is often the coverage a landlord looks for on your certificate of insurance.
Legal Defense
A general liability policy is built to provide a defense for covered claims, including suits that turn out to be groundless. Defense is typically handled on top of your coverage limit, so it does not eat into what is left for a settlement.
How Much Does General Liability Insurance Cost?
There is no flat rate for general liability. Your premium is built from your specific business, so two shops on the same street can pay very different amounts. Here is what goes into the number.
Your Industry
The single biggest factor. A roofing contractor and an accountant face very different exposure, so they pay very different premiums for the same limits.
Annual Revenue
Many general liability policies use your sales as a basis for pricing. As revenue grows, so does the exposure the policy is covering.
Team Size
More employees generally means more daily activity and more statistical chance of an incident. Some policies factor in payroll directly.
Coverage Limits
The limits you choose move the price. A $2M limit costs more than $1M because the policy is on the hook for more.
Where You Operate
Location affects cost. Local claim frequency, repair costs, and the litigation climate in your area all feed into the number.
Claims History
Your track record matters. A clean record with no prior claims generally works in your favor at quote and at renewal.
5
States Licensed
30+
Team Members
10K+
Satisfied Customers
4.9/5
Stars on Google
General Liability Insurance You Can Actually Rely On
We're not just an insurance agent. We're your long-term partner in protecting the things that matter most to your business.
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4 Locations, Always Just A Call Away
Our home is the southeast. While we're also licensed in and proudly serve Alabama, Arkansas, and Mississippi, we have four locations throughout Georgia and Tennessee.
General Liability Insurance Terms, Explained
A few terms come up in every general liability policy conversation. Here is what they mean in plain language.
Per-Occurrence Limit
The most your policy will pay for any single covered claim. If you see a $1M limit, this is usually the $1M figure. One incident, one ceiling.
Aggregate Limit
The most your policy will pay in total across all claims during the policy period. When you see "$1M / $2M," the second number is typically this. Once it is used up, coverage resets at renewal.
Certificate of Insurance
A one-page document that proves you carry coverage, showing your limits and policy dates. It is what a landlord or client asks for. It is proof of the policy, not the policy itself.
Additional Insured
A person or business you add to your policy so they are also protected for claims arising from your work. Client and lease contracts often require you to add them by name.
Named Insured
The business the policy is actually written for. Getting the legal entity name exactly right matters, because that is who the coverage protects.
Endorsement
Any change or addition to your policy after it is issued, such as adding an additional insured or adjusting a limit. Your policy is rarely static.
Occurrence Policy
A general liability policy that responds based on when an incident happened, not when the claim is filed. A claim that surfaces later is generally still covered, as long as you carried the policy when the incident occurred.
Exclusion
Something the policy specifically does not cover, spelled out in the policy language. Reading the exclusions is how you learn where general liability stops and where other policies pick up.
Simplified Protection Our Hassle-Free Insurance Process
Where Your Peace Of Mind Is Our Priority. We Understand That Finding The Right Insurance Coverage Can Be Overwhelming, Which Is Why.
What Customers Say on Google
Unedited reviews from our Google Business Profile. Read all of them there.
2nd year with Peachy, and they're very client-focused. They reached out to conduct a coverage review, and I spoke with Frankie, who was great at pointing out the pros & cons of different options in a no-pressure approach.
Yumna Ali
Very informative and helpful. Also helped me add an extra service to my new vehicle that will help incase i ever get total out👊🏾
Livingston Lewis
The agent was very helpful and very knowledgeable about my situation and my concerns and took time to explain everything
Lavander Hines
Answers To Important General Liability Insurance Questions
Here are just some of the most frequently asked questions we receive about general liability insurance, with some brief answers. Don't see your question answered here? We're only a call away and happy to advise at any time.
