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Harris Insurance

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Business Liability Insurance

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Business Liability Insurance by Harris Insurance

  • What is General Liability Insurance?
    Essential coverage that shields your business from financial loss due to accidents, injuries, or damages at your location or related to your operations.
  • Who Needs It?
    Ideal for businesses that interact with clients, work at client sites, handle client equipment, or operate from rented spaces—covering you against claims for bodily injury, property damage, or personal injury.
  • Why Get Covered?
    Protects against costly legal claims and liability, helping you manage risks and continue operations confidently, whether at your premises or off-site.
  • Why Choose Harris Insurance?
    With decades of experience and a client-centered approach, Harris Insurance offers tailored coverage options, expert advice, and dedicated support to protect your business effectively, so you can focus on growth.
  • General Contractors
  • Handymen/Handywomen
  • Painters
  • Drywall Installation and Repair
  • Roofing
  • Plumbing
  • HVAC Service or Repair
  • Carpentry/Trim Carpentry
  • Cabinetry Installation
  • Pressure Washing
  • Electrician/Electrical Work
  • Flooring/Floor Covering Installation
  • Lawn Care Maintenance
  • Landscaping
  • Tree Trimming
  • Land Clearing and Tractor Work
  • Lawn Sprinkler Installation and Repair
  • Excavation
  • Driveway Paving and Brick Paver Installation
  • Plaster/Stucco
  • Glass Installation
  • Pool Installation, Service, and Repair
  • Welding
  • Fencing
  • Gutter Installation
  • Janitorial Services
  • Masonry Work
  • Restoration Services
  • Sheet Metal Work
  • Insulation Installation
  • Siding Installation
  • Guard Rail Installation and Repair

Still not convinced that your business needs General Liability?

Here are some real-life claim statistics from one of our companies, The Hartford:

  • Customer slip & fall acidents account for 10% of liability claims and the average cost is $20,000
  • The average cost of all customer injury claims is $35,000
  • The most costly liability claim is usually reputational harm, averaging $50,000

Without General Liability Insurance, you could be expected to pay for these type of claims with your own business and personal assets. Most small businesses in America cannot survive large liability claims against them like the examples above. 4 out of 10 small businesses will experience a liability claim in the next 10 years according to this study conducted in 2015. With a more litigious society and financial hardships increasing, this number is expected to only increase.

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What people are saying…

I would like to commend you on your service. The agent we were assigned to was extremely helpful, very patient and a pleasure to work with. If I have any other insurance needs I will most certainly use you again. S. Poirrier
This is a great insurance company that has competitive rates and 5 star customer service. They really take the confusion and hassle out of your insurance buying experience and I would highly recommend them to anyone looking for quality insurance with a low premium. C. SMITH
I would like to thank Harris Insurance for giving me uncommon service. Within an hour of requesting a quote, I received a phone call explaining my options. I ended up with more comprehensive coverage and lower payments. J. ROGERS
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Legal notice: This is a general broad description of insurance coverages. These statements do not amend, modify or supplement any insurance policy. Information described herein or anywhere on this website is not intended to be indicative of coverage you may have purchased or coverage which may or may not be available to you by the insurance company providing coverage. Always read your policy for coverage details, descriptions, conditions and exclusions that may be applicable to you.