Tell us about your business
Share what you do, where you operate, whether you work at customers’ sites and what you sell. Your Spot team asks for the sales or payroll figures insurers rate general liability on.
Maple Street Co.Organized by Spot
General Liability Insurance Quotes
Get general liability insurance quotes with Spot
Send us what your business does once, and your Spot team turns it into a submission brokers can take to market.
Get quotes from 45+ general liability insurance providers
- One submission instead of a form for every insurer
- Quotes lined up on limits, insureds and exclusions
- Keep your broker or switch, with no commissions on premiums
How it works
We prepare one submission
Spot turns your answers, current policy and loss history into a submission, so you don’t retype the same details on every insurer’s application.
General liability insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to send your submission to insurers that write businesses like yours, and follow up on their questions.
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AlexMaple Street Co.
What do we need to request general liability insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Pick a quote you understand
Each proposal’s limits, aggregates, additional insured terms and exclusions sit side by side, so you can choose on coverage as well as price before you bind.
Insurance documents
Quote requestGeneral liability insurance
Coverage limits · Policy terms
Maple Street Co.
What you’ll need
- 01
What your business does
A plain description of your operations. Insurers assign a class code from it, and the class code drives the rate.
- 02
Sales or payroll
Most general liability is rated on annual gross sales or payroll. Have last year’s figures and this year’s estimate.
- 03
Locations
Every address you own, lease or work from, with its square footage if customers visit.
- 04
Work away from your premises
Whether you work at customers’ homes or sites, and whether you hire subcontractors to do it.
- 05
Products you make or sell
What they are, where they’re sold and whether you design, make, import or resell them.
- 06
Loss runs
Your claims history from current and past insurers, usually for the last few years. Spot can request them for you.
- 07
Contract and lease requirements
The limits and additional insured wording your landlord or customers ask for, so quotes meet them from the start.
What affects your price
- 01
Your class of business
A roofer and a software company with the same sales pay very different rates, because the risk of injury and damage is different.
- 02
How much you sell or pay
More sales or payroll means more exposure, so premium usually rises with it.
- 03
Limits and deductible
Higher per-occurrence and aggregate limits cost more. A deductible or self-insured retention can lower the premium.
- 04
Claims history
Past claims, especially recent or frequent ones, raise the price or narrow which insurers will quote.
- 05
Endorsements you need
Blanket additional insured, waiver of subrogation and primary and non-contributory wording can add premium, and not every insurer offers them.
Providers your broker can approach
Get quotes from 45+ general liability insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- Aon
- Beazley
- Berkshire Hathaway Specialty Insurance
- biBerk
- And many more
Common questions
Do I have to leave my broker to get quotes through Spot?
No. Spot works alongside brokers and takes no commissions on premiums. Keep your broker and we’ll work with them, or switch if you want a different one.
Can I get general liability quotes without a current policy?
Yes. If this is your first policy, your Spot team builds the submission from your business details and the requirements in your lease or contracts.
Should I get a business owner’s policy quote instead?
If you have a small office, shop or equipment to insure, a business owner’s policy can package general liability with property coverage. Spot can take both to market so you can compare.
What happens after I choose a quote?
Your Spot team helps you bind it with the broker, keeps the policy in your Spot workspace and lets you generate certificates of insurance from it when someone asks.
Related
Get insurance off your to-do list.
Send us what your business does once, and your Spot team turns it into a submission brokers can take to market.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
