Core Liability · Calculator, Comparison & Guide

General Liability Insurance: Calculator, Comparison Table & Guide

Rated on receipts, payroll, or square footage by class. Choose your closest class.

Prong 1 · Interactive Calculator

General Liability Premium Estimator

Rated on receipts, payroll, or square footage by class. Choose your closest class.

Results
LineEstimate
Base premium —
Experience factor —
Estimated annual GL —
Add $1M umbrella (estimate)First $1M of umbrella typically 35%–60% of the GL premium. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

GL Form Comparison

Occurrence vs. claims-made vs. BOP-embedded.

CriterionOccurrence CGL (CG 00 01)Claims-Made CGL (CG 00 02)BOP Liability Section
TriggerInjury during policyClaim during policy + retroInjury during policy
Products / completed opsIncludedIncludedIncluded
Personal & advertising injuryIncludedIncludedIncluded
Tail neededExcludedIncludedExcluded
Additional insured flexibilityIncludedIncludedLimited
Per-project aggregateOptionalOptionalExcluded
Best fitAlmost everyoneProducts/pharmaSmall low-hazard
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

General Liability Explained: Coverages A, B, and C

What the CGL covers, what it never covers, and how contracts stretch it.

Coverage A — bodily injury & property damage

The customer who slips, the fire that spreads next door, the product that injures.

  • Occurrence trigger
  • Defense outside limits on standard forms
  • Contractual liability for 'insured contracts'

Coverage B — personal & advertising injury

Libel, slander, false arrest, copyright in your advertising, invasion of privacy.

  • Not a substitute for media or cyber
  • Knowing-violation exclusion

Coverage C — medical payments

No-fault medical for guests, usually $5K–$10K. Pays small claims before they become lawsuits.

What GL excludes

Professional services, your own work, pollution, auto, employment practices, cyber, liquor, and intentional acts.

  • Match each exclusion with the policy that fills it
  • Read the endorsements — that's where coverage is removed

Frequently Asked Questions

What does $1M/$2M mean?

$1M per occurrence, $2M aggregate for the policy year (plus a separate $2M products-completed ops aggregate).

What is an additional insured?

A party (landlord, customer, GC) given coverage under your policy for claims arising from your work. It doesn't cover their own negligence in Texas post-2012.

Do I need GL if I work from home?

If clients visit, you work at client sites, or you sell a product — yes. Homeowners policies exclude business liability.

Related: general liability insurance Texas · CGL · business liability · premises liability

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your general liability exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.