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General Liability

What Does General
Liability Insurance Cover?

General liability insurance can help cover certain claims involving bodily injury, property damage, and personal or advertising injury arising from business operations. Depending on the policy, it may also cover legal defense costs and covered settlements or judgments. Coverage limits, conditions, and exclusions vary by insurer and policy.

Third-Party Bodily Injury Claims

Third-Party Property Damage

Covered Legal Defense Costs

General Liability

Compare Multiple Insurance Companies

We compare general liability insurance options from multiple carriers so you can review premiums, coverage limits, deductibles, and policy terms.

Coverage for Your Business Operations

Your industry, services, customer interactions, and contractual requirements can affect your liability insurance needs. We help you review coverage based on how your business operates.

Local Agents, Ongoing Support

Our team in Surprise can answer questions about your policy, assist with coverage reviews, and explain the next steps when you need to report a claim.

Compare General Liability Insurance
Quotes

  • ★ ★ ★ ★ ★

    Sue Shipley

    I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

  • ★ ★ ★ ★ ★

    Nikole Hintz-Lyon

    Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

  • ★ ★ ★ ★ ★

    Bimal Merchant

    Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

  • ★ ★ ★ ★ ★

    Mike Jensen

    I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

  • ★ ★ ★ ★ ★

    Elvia Vasquez

    We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

  • ★ ★ ★ ★ ★

    Prayas Gandhi

    I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

★ ★ ★ ★ ★

Sue Shipley

I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

★ ★ ★ ★ ★

Nikole Hintz-Lyon

Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

★ ★ ★ ★ ★

Bimal Merchant

Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

★ ★ ★ ★ ★

Mike Jensen

I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

★ ★ ★ ★ ★

Elvia Vasquez

We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

★ ★ ★ ★ ★

Prayas Gandhi

I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

Some Frequently
Asked Questions

What does general liability insurance cover?
General liability insurance typically covers certain third-party bodily injury, property damage, and personal or advertising injury claims arising from business operations. Covered policies may also pay legal defense expenses, settlements, or judgments. The specific protection depends on the policy's terms, limits, and exclusions.
Is general liability insurance required in Arizona?
Arizona does not generally require every business to carry general liability insurance. However, certain professional licensing requirements, contracts, landlords, or clients may require coverage. Requirements depend on your business activities and circumstances.
How much general liability insurance does a small business need?
The appropriate coverage limits depend on your business operations, industry, contractual obligations, and potential liability exposures. Some businesses choose policies with $1 million per-occurrence limits and $2 million general aggregate limits, but these amounts are not suitable for every business. We can help you compare available options.
Does general liability insurance cover employee injuries?
General liability insurance generally does not cover injuries to your own employees arising from their employment. Workers' compensation insurance is intended to address eligible work-related injuries and illnesses. Businesses may need both policies, depending on their operations and applicable requirements.
What affects the cost of general liability insurance in Arizona?
Premiums can depend on your industry, business operations, revenue, claims history, coverage limits, location, and other underwriting factors. An independent insurance agency can help you compare available options from multiple insurance companies.

Get a General Liability Insurance
Quote