where to get cheap general liability insurance for my business?
Your best bet is to find an independent agency.
6/19/20251 min read


Your best bet is to find an independent agency. They write for multiple companies and can do a lot of shopping around for you. It also helps that you've got an experienced, local professional to ask questions. I think this is especially important for commercial insurance since it isn't nearly as standardized as personal lines and it can really help to have a conversation about what you actually need rather than plugging things into a website for coverages you don't know anything about.
Depending on what services you'll be managing, you may need:
General Liability (clearly)
Commercial Auto (if you have work vehicles with branding)
Inland Marine (for specialized or expensive equipment)
Cyber Liability (if you'll be managing IT work and/or maintaining sensitive client records)
Errors & Omissions (if your business also serves an advisory role to clients. e.g., financial advisors, insurance agents, etc.)
Commercial Umbrella (not strictly necessary, but always advised)
There's a lot that goes into commercial insurance and it isn't something I'd take an "I know best!" approach. Just like taxes, there can be a lot to navigate. Risks are so individualized, that a company which is good for one person might not be for you.
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