— where your peace of mind is our priority.

We are committed to offering comprehensive, tailored insurance solutions that protect you, your family, and your business from the unpredictability of life.  

providing tailored coverage,

designed to match your unique needs.

Our expert team, armed with extensive industry knowledge, offers you the most advantageous advice while ensuring unparalleled customer service at every step of your insurance journey. By partnering with top-rated insurance providers, we deliver the best policies at competitive rates. At OnePoint, we're not just an insurance agency; we're your trusted partner in securing a worry-free future. Experience the OnePoint difference today!

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providing tailored coverage,

designed to match your unique needs.

Our expert team, armed with extensive industry knowledge, offers you the most advantageous advice while ensuring unparalleled customer service at every step of your insurance journey. By partnering with top-rated insurance providers, we deliver the best policies at competitive rates. At OnePoint, we're not just an insurance agency; we're your trusted partner in securing a worry-free future. Experience the OnePoint difference today!

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Family together in general liability insurance

What Is General Liability Insurance? A Small Business Must-Have

Business Learn

July 15, 2025•3 min read

What Is General Liability Insurance? A Small Business Must-Have

Protection From Everyday Business Risks

Every business whether it’s a coffee shop in Atlanta, a contractor in Dallas, or a boutique in Phoenix—faces unexpected risks. Someone slips on your entryway rug. A product you sell causes injury. A client sues over property damage.

General liability insurance helps shield your business from the financial fallout.

At OnePoint Insurance Agency, we help small businesses across Georgia, Texas, Alabama, Florida, Illinois, Arizona, and beyond confidently cover the basics—so you can focus on growth, not damage control.

What General Liability Insurance Covers

Think of general liability as your business’s core shield. It protects against common risks that could otherwise cause serious financial setbacks.

Standard Coverage Includes:

Bodily Injury
Medical bills and legal costs if someone is injured at your business location.
Property Damage
If you or your employees accidentally damage someone else’s property—covered.
Personal & Advertising Injury
Coverage for claims of slander, libel, or copyright infringement in your ads or marketing.
Legal Defense
Even if the lawsuit is baseless, your policy covers attorney fees, court costs, and potential settlements.
Medical Payments to Non-Employees
Goodwill coverage that pays for minor injuries regardless of fault.

What’s Not Covered

While general liability insurance is broad, it won’t cover everything.

Exclusions:

Employee Injuries – You’ll need workers’ compensation insurance.
Professional Errors – For mistakes in services or advice, you need E&O (professional liability).
Auto Accidents – Get commercial auto insurance for business-use vehicles.
Intentional Acts – No coverage for fraud or criminal behavior.

Policy Limits:
Typical limits are $1M per occurrence / $2M aggregate, though higher limits are available.

Who Needs General Liability Insurance?

Nearly every business can benefit from it. You especially need it if:

Retail Stores & Restaurants – High foot traffic = high liability risk
Contractors & Tradespeople – Required to access most job sites
Consultants & Freelancers – Often needed for client contracts
Home-Based Businesses – Your homeowners policy likely excludes business liability

In many states, like Georgia, Texas, and Florida, local laws or lease agreements may require proof of coverage. OnePoint can help you meet those requirements quickly and affordably.

Frequently Asked Questions

Does general liability insurance cover lawsuits?
Yes. It includes legal fees, settlements, and judgments for covered claims like bodily injury or property damage.

Is it required by law?
Not usually—but many landlords, clients, or vendors require it in contracts.

How much does it cost?
Typically $400–$1,500 per year for small businesses, depending on your location, risk level, and industry (source: Insurance Information Institute).

Can I bundle general liability with other policies?
Yes. Most businesses choose a Business Owner’s Policy (BOP), which includes general liability + property insurance at a lower combined rate.

Do you offer coverage in my state?
Yes! OnePoint provides general liability insurance in Georgia, Texas, Alabama, Florida, Illinois, Arizona, and nationwide.

How OnePoint Can Help

As an independent agency, OnePoint shops across top-rated carriers to match your business with the best coverage at the right price. We understand local laws and industry nuances—so you don’t have to.

We help:

Compare quotes for general liability coverage
Understand coverage limits and contract requirements
Add endorsements or bundle with a BOP
Grow your business without growing your risk

Get a Quote or Learn More

Your Questions Answered

What types of insurance does OnePoint Insurance Agency offer?

OnePoint Insurance Agency offers a wide range of insurance products, including home, auto, life, business, group health, group disability income, individual disability income, long-term care, short-term care, and critical illness insurance.

Where is OnePoint Insurance Agency located?

Our office is located in 555 North Point Center E Suite 400, Alpharetta, GA 30022

How can I get an insurance quote from OnePoint Insurance Agency?

You can get an insurance quote by visiting our website and filling out a quote request form, calling our office, or scheduling an appointment with one of our agents.

What makes OnePoint Insurance Agency different from other insurance agencies?

OnePoint Insurance Agency is an independent agency, meaning we can shop around with multiple insurance carriers to find the best coverage and rates for our clients. We also provide personalized service and tailored solutions to fit each client's unique needs.

How can I contact OnePoint Insurance Agency for customer service?

You can contact us by phone, email, or through our website's contact form using this link Our customer service team is available to assist you during our regular business hours.

Do you offer any discounts on insurance policies?

Yes, we offer various discounts on insurance policies, depending on the type of insurance and the specific carrier. Our agents can help you identify and apply any available discounts to your policy.

Can OnePoint Insurance Agency help with claims?

Absolutely. Our team is here to assist you throughout the claims process, ensuring you receive the support and guidance needed to resolve your claim efficiently.

What information do I need to provide to get an accurate insurance quote?

To provide an accurate insurance quote, we typically need information such as your personal details, property or vehicle information, coverage preferences, and any relevant history or documentation.

Does OnePoint Insurance Agency offer coverage for small businesses?

Yes, we offer a range of insurance products tailored specifically for small businesses, including liability insurance, property insurance, business overhead disability insurance, and more.

How can I leave a review for OnePoint Insurance Agency?

You can leave a review for OnePoint Insurance Agency on Google by following the link provided in our email or text message, or by searching for our agency on Google and selecting the option to write a review.