Tailored insurance solutions to protect your family, home, and business in South Carolina.

Why Your Business Needs Commercial General Liability Insurance

Accidents happen—and without the right coverage, one unexpected event could derail your business. Commercial general liability insurance provides the financial protection you need to:

  • Cover medical costs for third-party injuries.
  • Pay for property damage caused by your business.
  • Protect against lawsuits and costly legal fees.

Don’t let one accident or claim put your business at risk.

Image contains an empty restaurant with pre-set tables as an example of a business who would need commercial general liability insurance

What Does Commercial General Liability Insurance Cover?

BGI’s commercial general liability insurance offers broad, reliable protection, allowing small business owners and sole proprietors to focus on growing their businesses without worrying about unexpected costs. Whether you’re running a bustling storefront, providing professional services, or managing a fleet of vehicles with commercial auto insurance, this type of business insurance is designed to safeguard your normal business operations.

With a general liability insurance policy, small businesses and business owners alike benefit from comprehensive liability insurance coverage. This type of policy is often included in a business owner’s policy (BOP), which can combine commercial property insurance, general liability, and more into a cost-effective package tailored to your needs.
Ready to protect your business? Reach out to an insurance agent today for a general liability insurance quote and discover how this vital coverage can help shield your business from the unexpected.

Bodily Injury:

Helps cover medical expenses and medical payments if a customer, vendor, or visitor experiences bodily harm at your business premises or job site. For instance, if someone slips and falls in your store, your policy can help pay for their medical treatment and any potential lawsuits.

Property Damage:

Covers the repair or replacement costs for someone else’s property that’s damaged due to your business operations. This includes damage to commercial property or business property belonging to a third party.

Legal Defense Costs:

Protects your bottom line by covering attorney fees, court costs, and other expenses if you’re sued. Whether it’s a misunderstanding or a legitimate claim, we help manage the financial burden.

Personal & Advertising Injury:

Protects your business from claims of libel, slander, copyright infringement, or advertising injury that could arise during your advertising campaigns or professional services.

Who Needs General Liability Insurance?

No matter your industry, general liability insurance is essential for:

  • Small Business Owners: Protect personal assets and your reputation.
  • Retailers & Restaurants: Safeguard against injuries or accidents at your location.
  • Contractors & Tradespeople: Meet client requirements and protect job site liabilities.
  • Service-Based Businesses: Essential for businesses interacting with clients or vendors.

If you interact with customers, vendors, or the public—this insurance is for you.

What’s the Cost of Commercial General Liability Insurance?

Starting at just $42 per month, your business gains access to robust, comprehensive protection tailored to your needs. The cost of coverage can vary based on several key factors, including:

  • Your Industry and Business Size: Different industries and scales of operation present unique risks and insurance requirements.
  • Location and Risk Level: Where your business operates plays a role in determining premiums, as certain areas may carry higher risks.
  • Claims History: A track record of prior claims can impact the overall cost of your policy.

By considering these factors, we ensure your coverage is both effective and affordable, offering the peace of mind your business deserves.
Why risk it? One claim can cost thousands—insurance is the smarter investment.

How to Get Commercial General Liability Insurance

Getting covered through Brabham Griffin is simple—we make it easy to secure the protection your business needs quickly and confidently.

Request a Free Quote

Fill out our online form or give us a call.

Customize your Policy

Work with our experts to choose the right coverage.

Get Covered Fast

Start protecting your business immediately.

One quick step now can save you thousands later.

Common Questions About General Liability Insurance

What does commercial general liability insurance cover?

It protects your business against claims of bodily injury, property damage, and personal/advertising injury.

How much does general liability insurance cost?

Starting at $42/month, the cost depends on your industry, location, and business size.

Is general liability insurance required?

While not always required, it’s often necessary for contracts, leases, and client agreements.

Take the Next Step: Protect Your Business Today

Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.