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GL coverage · 30+ carriers

Get general liability insurance. From $40/mo, 30+ carriers.

General liability (GL) insurance covers the most common business claims: a customer slipping in your store, a contractor damaging a client's property, an ad campaign accidentally infringing a competitor's mark. Most landlords, clients, and licenses require it. We compare quotes from 30+ commercial carriers and route you to the best fit for your industry and size.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle General Liability, end-to-end.

General liability (GL) insurance covers the most common business claims: a customer slipping in your store, a contractor damaging a client's property, an ad campaign accidentally infringing a competitor's mark.

1

Business profile

We collect your industry NAICS, revenue, employee count, premises locations, and prior claims. Determines which carriers will write you and at what price.

2

Quote comparison

We submit to 30+ carriers and return the top 3-5 options with side-by-side comparison: premium, limits, exclusions, deductible.

3

Coverage selection

Standard limits $1M per occurrence / $2M aggregate. Higher limits available. Optional endorsements: hired and non-owned auto, employee benefits liability, contractual liability.

4

Bind and certificate

Bind coverage with the chosen carrier. Certificate of insurance issued immediately for landlords or clients who require proof.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent general liability pricing.

Government fees pass through at cost. No upsells.

Bundle with BOP

$0
GL + property in one policy.

Business Owner's Policy (BOP) bundles GL plus property coverage (your building, equipment, inventory). Often cheaper than separate policies. We quote both ways.

Get started

Multi-line broker

$0
Full insurance broker relationship.

We act as your full insurance broker: GL, BOP, workers comp, cyber, D&O, professional liability. One point of contact, coordinated renewals, claim support. Commission-based; no fee to you.

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FAQ

About the General Liability Insurance Service.

Do I need GL insurance?
Most businesses do. Landlords require it for leases. Clients require it on most B2B contracts. Many state licenses require it. Even without these requirements, a single claim can wipe out a small business.
What does GL not cover?
Professional services errors (need E&O/professional liability), employment practices (need EPLI), cyber breaches (need cyber liability), workers compensation injuries (need workers comp). GL covers premises and operations, not professional advice or employment.
How much coverage do I need?
Standard is $1M per occurrence / $2M aggregate. Higher limits ($5M, $10M) common for higher-risk industries, larger businesses, or contracts requiring it. We help you size based on your specific exposures.
What is a BOP?
Business Owner's Policy. Bundles GL plus property coverage (your premises, equipment, inventory, business interruption). Often cheaper than separate GL and property policies. We quote both ways.
How much does GL cost?
$500-$5,000/year for most small businesses. Depends heavily on industry (gym vs. consulting), revenue, and claims history. We get you exact pricing through quote comparison.
How fast can I get a certificate of insurance?
Same day. Once you bind the policy, we issue the certificate immediately. Additional-insured endorsements (naming a specific landlord or client) typically same-day or next-day.
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

No state-fee markup 60-day money-back Cancel anytime
$0 + state fee Start my business