The BizShieldGuide team researches and writes plain-language guides to business and personal insurance — general liability, professional liability, workers' compensation, business owners policies, cyber liability, and industry-specific coverage for small business owners, alongside straightforward explainers on auto, home, and renters insurance for everyday readers. Our articles are grounded in publicly available data from insurers and carriers (Insureon, The Hartford, Progressive, State Farm, and others), industry cost surveys, and standard policy language, and we link to primary sources wherever a number or coverage detail could change. We are not licensed insurance agents or brokers, and nothing here replaces a quote or advice from one for your specific situation.
GL insurance covers customer injuries and property damage but not employee injuries, professional errors, or auto accidents. See 2025-2026 costs and real claim figures.
