Kim Mercado for NEXT

How much general liability insurance do I need?

How much general liability insurance you need depends on a number of factors, including your line of business, the location where you work, the size and income of your business, and your overall business risk.

Many small business owners start with a $1 million policy because it’s the industry standard for basic protection. But is that too much for you? Not enough? How can you know if you’re wasting money on coverage you don’t need? Or if your business isn’t adequately protected from real vulnerabilities?

General liability insurance is one of the first types of insurance business owners buy because it covers many of the most common risks businesses face. This can include things like non-employees who get hurt at your

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