General Liability Insurance

Affordable Business Liability Coverage Tailored to You

If you own or operate a business in Delaware, Maryland, or Pennsylvania, you need protection from everyday risks. General liability insurance covers injuries, property damage, and legal claims — helping you stay focused on what matters most: running your business.

At Downes Insurance, we specialize in helping local businesses across the Mid-Atlantic get the right general liability coverage — without the hassle or high premiums.

What Does General Liability Insurance Cover?

Our general liability policies offer essential protection, including:

Bodily Injury – If a customer, client, or visitor is injured at your location or job site
Property Damage – If your business activities damage someone else’s property
Personal & Advertising Injury – Protection from slander, libel, and advertising claims
Legal Defense Costs – We help cover the cost of lawsuits, settlements, and attorney fees

Who Needs General Liability Insurance?

Whether you're a sole proprietor, contractor, or established company, general liability insurance is often required by:

Commercial leases and landlords
Clients before signing contracts
Local or state licensing boards
Job site access (especially for contractors and trades)

If you interact with people, work on job sites, or advertise your services — you need liability protection.

Business Types We Insure

We proudly serve a wide range of businesses across Delaware, Maryland, and Pennsylvania, including:

General Contractors & Subcontractors
Retail Stores & Boutiques
Restaurants & Food Trucks
Real Estate Agents & Property Managers
Consultants, Freelancers & Home-Based Businesses
Auto Shops & Mechanics
Landscapers & Cleaning Services

Not sure what type of coverage your industry needs? We’ll help you navigate it all.

Why Choose Downes Insurance?

✅ Independent & Local – We represent multiple top-rated insurance carriers, not just one.
✅ Custom Coverage – We tailor your policy to your industry, size, and risk level.
✅ Fast Quotes – Get a quote in minutes, not days.
✅ Hands-On Service – Real people. Real support. Right here in your region.

“Downes Insurance made it easy for us to understand what we needed. We got better coverage for less money than our previous policy. Highly recommend them for small business owners!”
— Samantha R., Dover, DE

Frequently Asked Questions

Is general liability insurance required in my state?
While not always required by law, many landlords, clients, and licenses in DE, MD, and PA require proof of liability insurance to do business.

How much does general liability insurance cost?
Pricing depends on your industry, risk exposure, and business size. Policies often start around $500–$1,500/year for small businesses.

Can I bundle general liability with other business insurance?
Yes! We can combine general liability with property insurance, tools & equipment, workers' comp, and more — often saving you money with a Business Owner’s Policy (BOP).