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General Liability Insurance
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What is general liability insurance?

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General liability insurance

General liability insurance is one of the most common policies for tech companies. It covers basic risks involving customers and fulfills the terms of commercial leases and contracts.

When do technology companies need general liability insurance?

General liability insurance protects your business from the most common risks that technology companies face:

  • Bodily injury
  • Property damage
  • Advertising injury

It’s typically the first policy that technology professionals purchase, and it’s often required in the terms of a commercial office lease or a client contract. (Some clients might require an errors and omissions policy, too).

This policy protects against lawsuits over injuries and property damage involving a client, delivery person, or anyone else who doesn’t work at your company.

Learn more about general liability insurance coverage.

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Technology companies that purchase this policy:

  • Handle clients’ computers, electronics, or other property
  • Rent a commercial space
  • Sell hardware or software to customers
  • Advertise their technology services
  • Have an active online / social media presence
  • Visit clients’ homes or businesses
  • Allow the general public into their office or storefront

How do I get a certificate of general liability insurance?

Tech companies, startups, and consultants often need proof of insurance to sign a contract or a lease. With TechInsurance, you can often download a certificate of liability insurance on the same day that you purchase a policy from one of our carrier partners.

General liability insurance costs

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Every business pays a different premium for commercial general liability insurance. The cost depends on several factors, such as:

  • Your profession’s level of risk
  • Policy limits you choose
  • Where your company is based
  • Number of workers at your business
View General Liability Insurance Costs

What if my business needs more insurance coverage?

If your business has pricier liabilities than your policy covers, you can increase your general liability insurance coverage by adding commercial umbrella insurance. Umbrella insurance raises your general liability policy limit, so your insurance company honors costlier claims.

If your business has risks your general liability insurance policy doesn't cover, you can get more comprehensive coverage by bundling your policy with these other types of business insurance:

Learn more about general liability insurance for technology businesses

Not a tech business? We have you covered.

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