Our Mission
General Liability Guide was founded with a simple goal: make business insurance understandable. Too many small business owners are overpaying for coverage they don't need — or worse, operating without coverage they desperately do need — simply because the insurance industry is confusing, jargon-heavy, and opaque about pricing.
We believe every entrepreneur deserves access to clear, honest, and data-driven insurance information — without having to fill out a quote form or talk to a salesperson first.
What We Do
We provide free, comprehensive insurance guides covering:
- Industry-Specific Guides: Tailored coverage recommendations for over 100 business types, from contractors to IT consultants
- Insurance Type Education: Plain-English explanations of every major policy type — what it covers, what it doesn't, and who needs it
- State-by-State Requirements: Workers' comp mandates, licensing requirements, and regulatory information for all 50 states
- Cost Estimates: Industry-standard pricing ranges so you know what to expect before you start shopping
- Side-by-Side Comparisons: Head-to-head analysis of similar policy types to help you choose the right one
Our Data
The cost estimates and statistics on our site are based on industry-standard data from publicly available sources including insurance carrier rate sheets, state insurance department filings, and published industry reports. We clearly note that our figures are estimates and ranges, not guaranteed quotes. Your actual premium will depend on your specific business profile, location, and claims history.
We regularly review and update our data to ensure accuracy. All guides display a "Last Updated" date so you always know how current the information is.
Our Independence
General Liability Guide is an independent informational resource. We are not an insurance company, broker, or agent. We do not sell insurance policies. Our revenue comes from advertising and may include affiliate partnerships with insurance providers, which we always disclose transparently.
Our editorial content is never influenced by advertising relationships. We recommend coverages based on industry data and standard practices, not based on who pays us.
Who We Help
Contractors & Tradespeople
Electricians, plumbers, landscapers, and general contractors
Professional Services
Consultants, IT companies, real estate agents, and freelancers
Retail & Food Service
Restaurants, cleaning services, personal trainers, and retail stores
Contact Us
Have a question, correction, or suggestion? We'd love to hear from you. Visit our Contact page or email us at hello@generalliabilityguide.com.