General liability insurance companies in nan specialize in offering coverage that protects businesses from financial losses due to accidents, injuries, and negligence claims. This sector consists of various organizations, ranging in size from small local firms to large multinational corporations. Currently, the industry is evolving with technological advancements, leading to more efficient customer interactions through digital platforms. Companies are increasingly focusing on tailored products to meet specific client needs, such as integrated liability offerings for unique sectors like construction or cybersecurity. Insights into claims patterns are driving innovation in what services and coverages are being provided.

This listing features a range of general liability insurance companies, from major corporations to specialized firms, with headquarters in North America, Europe, and beyond. Company sizes vary from large entities like Farmers Insurance to smaller niches like Cross Insurance. Most were founded in the 20th century and focus on various coverages including commercial liability, professional liability, and personal insurance products. These companies employ thousands, combining extensive experience with modern insurance practices, thereby offering both traditional and innovative insurance solutions to their clientele.

Continue reading to explore the top general liability insurance companies.

Top 21 General Liability Insurance Companies

1. Farmers Insurance

• Website: farmers.com
• Ownership type: Private
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $300.0M, October 2024
• Founded year: 1928
• Headcount: 10001+
• LinkedIn: farmers-insurance

Farmers Insurance, founded in 1928 and headquartered in Los Angeles, California, is a prominent insurance provider in the United States. The company offers a comprehensive suite of insurance products, including auto, home, life, and business insurance. Farmers Insurance serves both individual consumers and small businesses, helping them manage risks and protect their assets through customized insurance solutions. With a workforce exceeding 43,000 employees, Farmers operates through a network of agents, ensuring personalized service and support for their clients. The company has also recently secured $300 million in funding, indicating ongoing investment in its operations and growth. Farmers Insurance is dedicated to educating customers about their insurance needs, providing resources and support to navigate the complexities of insurance coverage.

2. Huk-coburg

• Website: huk.de
• Ownership type: Private
• Headquarters: Coburg, Bavaria, Germany
• Employee distribution: Germany 100%
• Founded year: 1933
• Headcount: 10001+
• LinkedIn: huk-coburg

Huk-coburg, founded in 1933 and based in Coburg, Bavaria, Germany, is a prominent insurance company that provides a wide array of insurance products. Their offerings include auto, health, liability, and property insurance, catering to individual consumers who seek financial protection against various risks. The company operates with a strong customer-centric approach, allowing clients to manage their policies and claims online, which enhances user experience and accessibility. Huk-coburg has a significant presence in the German market, with a workforce of over 10,000 employees, indicating their capacity to serve a large customer base. They also provide specialized liability insurance products, such as private liability, family liability, and property owner liability insurance, which are crucial for individuals and businesses alike. Their commitment to innovation and customer service positions them as a relevant player in the insurance industry.

3. GEICO Local Office

• Website: geico.com
• Ownership type: Private Equity
• Headquarters: Chevy Chase, Maryland, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 1996
• Founded year: 1936
• Headcount: 201-500
• LinkedIn: geico-local-office

GEICO Local Office, based in Chevy Chase, Maryland, is a private equity-owned insurance company that operates under the Government Employees Insurance Company (GEICO) brand. Founded in 1936, GEICO has established itself as a prominent provider of a wide range of insurance products, including auto, property, and business insurance. The company serves both individual consumers and businesses, helping them manage risks and protect their assets through various coverage options. GEICO Local Office is particularly noted for its offerings in business insurance, which includes general liability, professional liability, and workers' compensation. The company primarily operates through online platforms, making it easier for customers to access their policies and services. With a workforce of over 400 employees, GEICO Local Office is well-equipped to meet the needs of its clients across the United States.

4. Berkshire Hathaway GUARD Insurance Companies

• Website: guard.com
• Ownership type: Corporate
• Headquarters: Wilkes-Barre, Pennsylvania, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 2019
• Founded year: 1983
• Headcount: 1001-5000
• LinkedIn: berkshire-hathaway-guard

Berkshire Hathaway GUARD Insurance Companies, founded in 1983 and headquartered in Wilkes-Barre, Pennsylvania, is a corporate entity that specializes in commercial insurance solutions tailored for small to medium-sized businesses. The company offers a comprehensive range of products, including businessowner's policies, workers' compensation, and notably, general liability insurance. With a strong emphasis on personalized coverage and high-quality service, they operate through a network of over 6,000 independent agents across the United States. Berkshire Hathaway GUARD is rated A+ Superior by A.M. Best, reflecting its financial strength and reliability in the insurance market. The company has built a reputation for understanding the unique needs of various industries, such as artisan contractors, restaurants, and retail stores, ensuring that their clients receive appropriate protection against potential liabilities. Their innovative approach includes specialty programs and flexible policy terms, making them a relevant player in the insurance sector.

5. Berkshire Hathaway Specialty Insurance

• Website: bhspecialty.com
• Ownership type: Corporate
• Headquarters: Boston, Massachusetts, United States (USA)
• Employee distribution: United States (USA) 52%, Australia 11%, United Kingdom (UK) 9%, Other 29%
• Latest funding: May 2017
• Founded year: 2013
• Headcount: 1001-5000
• LinkedIn: berkshire-hathaway-specialty-insurance

Berkshire Hathaway Specialty Insurance (BHSI), based in Boston, Massachusetts, is an insurance company that provides a comprehensive range of insurance products. Founded in 2013, BHSI has quickly made its mark in the industry by offering casualty, property, and healthcare liability insurance. The company serves a variety of businesses and organizations, helping them manage risks and protect against potential financial losses. With a workforce of over 1,800 employees, BHSI operates in multiple countries, including the United States, Australia, the United Kingdom, Canada, and Germany. Their global reach and commitment to customer service are evident in their extensive claims support and leadership structure. BHSI's focus on casualty and healthcare liability insurance positions them well within the general liability insurance market, making them a relevant choice for businesses seeking coverage.

6. Axa Xl

• Website: axaxl.com
• Ownership type: Private
• Headquarters: Hamilton, Pembroke, Bermuda
• Employee distribution: India 33%, United States (USA) 19%, United Kingdom (UK) 13%, Other 35%
• Founded year: 1986
• Headcount: 10001+
• LinkedIn: axaxl

Axa XL, founded in 1986 and based in Hamilton, Bermuda, is a prominent insurance and reinsurance company. It operates under the umbrella of AXA, a well-known global insurance group. Axa XL specializes in providing risk management solutions tailored for mid-sized and multinational businesses, as well as high-net-worth individuals. The company offers a broad spectrum of insurance products, including professional liability, casualty, and specialty insurance. With a workforce exceeding 10,000 employees, Axa XL has a significant global footprint, serving clients in over 200 countries and territories. Their commitment to understanding client needs and delivering exceptional service is reflected in positive customer feedback. Axa XL also emphasizes sustainability and innovation in its operations, aiming to address the complex challenges faced by businesses today.

7. Aami

• Website: aami.com.au
• Ownership type: Private
• Headquarters: Brisbane, Queensland, Australia
• Employee distribution: Australia 94%, United States (USA) 3%, New Zealand 3%
• Founded year: 1970
• Headcount: 1001-5000
• LinkedIn: aami

AAMI, or Australian Associated Motor Insurers Limited, is an insurance provider based in Brisbane, Queensland, Australia. Founded in 1970, AAMI has established itself as a prominent name in the insurance sector, offering a wide array of products that include car, home, and business insurance. As a subsidiary of the Suncorp Group, AAMI benefits from a robust corporate structure, allowing it to serve both individual consumers and businesses effectively. The company is dedicated to helping clients protect their assets from various risks, and it operates primarily within Australia. AAMI's business insurance offerings include public liability insurance, catering to small businesses and specific professions, which is essential for those looking to mitigate risks associated with their operations. With a workforce of around 400 employees, AAMI maintains a strong presence in the Australian market, focusing on customer service and comprehensive coverage options.

8. Cross Insurance

• Website: crossagency.com
• Ownership type: Corporate
• Headquarters: Bangor, Maine, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: October 2018
• Founded year: 1954
• Headcount: 501-1000
• LinkedIn: cross-insurance

Cross Insurance, founded in 1954, is a corporate insurance agency based in Bangor, Maine. With a workforce of approximately 748 employees, the company operates multiple offices across several states, including Maine, New Hampshire, Massachusetts, Connecticut, Rhode Island, New York, and Florida. Cross Insurance provides a wide array of insurance products, focusing on personal, commercial, and employee benefits. Their clientele includes individuals, businesses, and educational institutions, all seeking to manage risk and protect their assets. The agency is particularly noted for its commercial insurance offerings, which include general liability insurance, professional liability, and workers' compensation. Cross Insurance has also been recognized for its community involvement and partnerships with local sports teams, enhancing its visibility and reputation in the industry.

9. Westland Insurance Group Ltd.

• Website: westlandinsurance.ca
• Ownership type: Corporate
• Headquarters: Surrey, British Columbia, Canada
• Employee distribution: Canada 99%
• Latest funding: $1.1B, April 2023
• Founded year: 1980
• Headcount: 1001-5000
• LinkedIn: westlandinsurance

Westland Insurance Group Ltd., based in Surrey, British Columbia, has been a significant player in the insurance sector since its founding in 1980. With a workforce of approximately 1,766 employees, the company specializes in a broad spectrum of insurance products, including auto, home, and notably, business insurance. Their business insurance offerings include essential coverages such as business liability, cyber insurance, and professional liability, catering to a variety of industries from construction to hospitality. Westland's recent funding of $1.1 billion in April 2023 underscores its strong market position and ability to innovate and expand its services. The company prides itself on delivering customized insurance solutions that help clients manage risks and protect against financial losses, making it a relevant and active participant in the insurance industry.

10. Next Insurance

• Website: nextinsurance.com
• Ownership type: Corporate
• Headquarters: Palo Alto, California, United States (USA)
• Employee distribution: United States (USA) 74%, Israel 26%
• Latest funding: $2.6B, March 2025
• Founded year: 2016
• Headcount: 501-1000
• LinkedIn: next-insurance

Next Insurance, founded in 2016 and based in Palo Alto, California, is an insurance company dedicated to providing tailored business insurance solutions for small businesses. With a workforce of around 729 employees, the company has carved out a niche in the insurance market by offering a range of products, including general liability, workers' compensation, and professional liability insurance. They serve over 1,300 professions, ensuring that their offerings are relevant to various industries such as construction, retail, and food services. Next Insurance operates primarily online, allowing customers to quickly obtain quotes and manage their policies with ease. The company has attracted significant investment, with a reported funding amount of $2.6 billion, reflecting strong market confidence in their innovative approach to business insurance.

11. Interpolis

• Website: interpolis.nl
• Ownership type: Private
• Headquarters: Tilburg, North Brabant, Netherlands
• Employee distribution: Netherlands 100%
• Founded year: 1969
• Headcount: 5001-10000
• LinkedIn: interpolis

Interpolis, founded in 1969 and based in Tilburg, North Brabant, Netherlands, is a private insurance company with a workforce of approximately 7,500 employees. The company specializes in a wide array of insurance products, including car, home, health, and notably, general liability insurance. Interpolis serves both individual consumers and businesses, offering financial protection against various risks. Their partnership with Rabobank enhances their service delivery, allowing for efficient management of insurance policies and claims. This collaboration positions Interpolis as a significant player in the insurance market, focusing on customer needs and risk management solutions.

12. Liberty Mutual Insurance

• Website: libertymutualgroup.com
• Ownership type: Private
• Headquarters: Boston, Massachusetts, United States (USA)
• Employee distribution: United States (USA) 94%, Other 6%
• Founded year: 1912
• Headcount: 10001+
• LinkedIn: liberty-mutual-insurance

Liberty Mutual Insurance, established in 1912 and based in Boston, Massachusetts, is a prominent insurance provider specializing in property and casualty insurance. The company offers a comprehensive range of products, including personal and commercial insurance solutions, with a notable emphasis on general liability insurance. Liberty Mutual operates globally, employing over 45,000 individuals across 29 countries. The firm is recognized for its commitment to risk management and customer service, providing tailored insurance solutions to meet the needs of both individual consumers and businesses. In addition to its core insurance offerings, Liberty Mutual is actively involved in community initiatives and sustainability efforts, reflecting its dedication to social responsibility. As of now, the company has not reported any recent funding activities, indicating its stability and established presence in the market.

13. State Farm

• Website: statefarm.com
• Ownership type: Private
• Headquarters: Bloomington, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1922
• Headcount: 10001+
• LinkedIn: state_farm

State Farm Insurance, founded in 1922 and headquartered in Bloomington, Illinois, is a prominent insurance and financial services provider. The company offers a broad spectrum of insurance products, including auto, home, life, health, and notably, business insurance. Their business insurance segment includes general liability coverage, which is essential for small businesses looking to protect against various risks. With over 106,000 employees and a network of 19,000 agents, State Farm serves more than 91 million policies and accounts across the United States. Their commitment to customer service is evident through personalized insurance plans and a focus on community involvement. State Farm also provides investment services, further solidifying its role in helping clients manage their financial futures.

14. First Insurance Company of Hawaii

• Website: ficoh.com
• Ownership type: Corporate
• Headquarters: Honolulu, Hawaii, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $165.0M, August 2011
• Founded year: 1911
• Headcount: 201-500
• LinkedIn: first-insurance-company-of-hawaii

First Insurance Company of Hawaii, LTD, established in 1911, is an insurance provider based in Honolulu, Hawaii. The company specializes in a variety of personal and commercial insurance products, catering to both individuals and businesses. FICOH offers essential coverage options such as personal auto, homeowners, and renters insurance, alongside a robust suite of commercial products. Their business offerings include commercial general liability, commercial property, and workers' compensation insurance, among others. FICOH operates primarily within Hawaii, providing tailored services that reflect the unique needs of the local market. As part of the Tokio Marine Group, FICOH benefits from global backing while maintaining a strong local presence, which enhances their credibility and service delivery in the region.

15. San Cristóbal Seguros

• Website: sancristobal.com.ar
• Ownership type: Private
• Headquarters: Rosario, Santa Fe, Argentina
• Employee distribution: Argentina 93%, Uruguay 6%
• Founded year: 1939
• Headcount: 501-1000
• LinkedIn: san-cristobal-seguros

San Cristóbal Seguros is an Argentine insurance company based in Rosario, Santa Fe, with a history dating back to 1939. The company operates as a private entity and employs approximately 1,163 individuals. It offers a comprehensive portfolio of insurance products tailored for individuals, professionals, and businesses. Their offerings include personal insurance such as automotive, home, and life insurance, as well as professional coverage like malpractice and personal accidents. For businesses, they provide various options including general liability, agricultural risks, and technical insurance. With a strong focus on customer service, San Cristóbal Seguros has developed a network of over 3,500 insurance producers, ensuring personalized assistance for their clients. The company is recognized for its financial stability, boasting the highest net worth among Argentine insurers, which reflects its ability to meet obligations and commitments in the insurance market.

16. AssuredPartners

• Website: assuredpartners.com
• Ownership type: Corporate
• Headquarters: Orlando, Florida, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Latest funding: $13.4B, December 2024
• Founded year: 2011
• Headcount: 10001+
• LinkedIn: assuredpartners

AssuredPartners, founded in 2011 and headquartered in Orlando, Florida, is an insurance brokerage and risk management consulting firm. The company specializes in a wide range of services, including business insurance, employee benefits, and risk management solutions. With a workforce exceeding 10,000 employees, AssuredPartners serves a variety of clients across multiple industries, tailoring their offerings to meet specific needs. Their commitment to client-centric service is evident in their approach, which combines local expertise with national resources. Recently, AssuredPartners secured a significant funding amount of $13.45 billion, indicating strong investor confidence and potential for further expansion in the insurance market.

17. Philadelphia Insurance Companies

• Website: phly.com
• Ownership type: Corporate
• Headquarters: Bala Cynwyd, Pennsylvania, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $25.0M, September 2022
• Founded year: 1980
• Headcount: 1001-5000
• LinkedIn: philadelphia-insurance-companies

Philadelphia Insurance Companies, based in Bala Cynwyd, Pennsylvania, is an insurance provider that specializes in a wide range of insurance products and risk management services. Founded in 1980, the company has grown to employ over 2,100 individuals and serves businesses, organizations, and individuals across the United States. PHLY's offerings include commercial insurance, health and fitness facility coverage, and special event insurance, among others. They are particularly noted for their commitment to customer service, achieving a high satisfaction rating in claims handling. The company has also received $25 million in funding as of September 2022, which supports its ongoing initiatives and product development in the insurance sector.

18. National Indemnity Company

• Website: nationalindemnity.com
• Ownership type: Corporate
• Headquarters: Omaha, Nebraska, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: July 2021
• Founded year: 1940
• Headcount: 501-1000
• LinkedIn: national-indemnity-company

National Indemnity Company (NICO), based in Omaha, Nebraska, is a corporate entity specializing in commercial insurance products, including general liability and auto insurance. Established in 1940, NICO has built a reputation for strength, stability, and integrity, serving businesses that require comprehensive coverage to manage operational risks. As a subsidiary of Berkshire Hathaway, NICO benefits from a strong financial foundation, boasting an A++XV rating from A.M. Best, which reflects its ability to fulfill policy obligations. The company has a rich history, having started with a focus on liability insurance for taxis and evolving to cover a wide array of commercial risks. NICO operates through a network of independent agents, ensuring that clients receive tailored solutions to meet their specific insurance needs. Their commitment to customer service and risk management has made them a trusted partner for businesses across various sectors.

19. Sompo

• Website: sompo-intl.com
• Ownership type: Corporate
• Headquarters: Bermuda
• Employee distribution: United States (USA) 61%, United Kingdom (UK) 17%, Bermuda 4%, Other 18%
• Latest funding: $6.3B, March 2017
• Founded year: 2001
• Headcount: 5001-10000
• LinkedIn: sompo-international

Sompo International, founded in 2001 and based in Bermuda, operates as an insurance and reinsurance company. With a workforce of over 4,000 employees, the firm provides a broad spectrum of risk management solutions tailored to businesses across multiple sectors. Their product lineup includes agriculture, aviation, casualty, cyber, and property insurance, among others. Sompo emphasizes a client-centric approach, ensuring that their insurance products meet the specific needs of various industries. The company has a strong financial foundation, evidenced by an A+ rating from A.M. Best and Standard & Poor's, indicating robust financial strength. Sompo's global operations span key markets, including the United States, the United Kingdom, and Europe, allowing them to navigate local regulations effectively while delivering quality service. They have also engaged in community involvement initiatives, reflecting their commitment to corporate social responsibility.

20. BrokerLink

• Website: brokerlink.ca
• Ownership type: Corporate
• Headquarters: Canada
• Employee distribution: Canada 100%
• Latest funding: April 2019
• Founded year: 1991
• Headcount: 1001-5000
• LinkedIn: brokerlink

BrokerLink is a Canadian insurance brokerage founded in 1991, with a workforce of approximately 2,873 employees. The company specializes in providing a broad spectrum of personal and commercial insurance products, including commercial general liability insurance. BrokerLink operates with a customer-centric approach, helping clients navigate the complexities of insurance by offering tailored solutions from over 100 insurance providers across Canada. With a commitment to exceptional service, BrokerLink has built a reputation for reliability, serving over one million customers. The company has a network of local branches, ensuring accessibility and personalized service for clients throughout the country.

21. Coversure

• Website: coversure.co.uk
• Ownership type: Corporate
• Headquarters: United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 98%, Other 2%
• Latest funding: June 2023
• Founded year: 1986
• Headcount: 201-500
• LinkedIn: coversure-insurance

Coversure Insurance Services Ltd, established in 1986, is an insurance brokerage based in the United Kingdom. The company specializes in providing a comprehensive range of insurance products tailored for businesses and individuals. With a workforce of approximately 267 employees, Coversure primarily serves small and medium-sized enterprises, property owners, and private clients. Their offerings include essential coverages such as public liability, employers' liability, and product liability insurance, which are crucial for businesses to manage risks effectively. Operating through a network of over 90 independently owned offices across the UK, Coversure emphasizes personalized service and local expertise. Their relationships with well-known insurers like Aviva, LV, and Axa enable them to deliver quality insurance solutions. This independent brokerage model allows Coversure to cater to the specific needs of their clients, ensuring they receive tailored advice and coverage options.

General Liability Insurance Insights: Key Companies

Company	Headquarter	Size	Founded	Ownership
Farmers Insurance	Los Angeles, California, United States (USA)	10001+	1928	Private
Huk-coburg	Coburg, Bavaria, Germany	10001+	1933	Private
GEICO Local Office	Chevy Chase, Maryland, United States (USA)	201-500	1936	Private Equity
Berkshire Hathaway GUARD Insurance Companies	Wilkes-Barre, Pennsylvania, United States (USA)	1001-5000	1983	Corporate
Berkshire Hathaway Specialty Insurance	Boston, Massachusetts, United States (USA)	1001-5000	2013	Corporate
Axa Xl	Hamilton, Pembroke, Bermuda	10001+	1986	Private
Aami	Brisbane, Queensland, Australia	1001-5000	1970	Private
Cross Insurance	Bangor, Maine, United States (USA)	501-1000	1954	Corporate
Westland Insurance Group Ltd.	Surrey, British Columbia, Canada	1001-5000	1980	Corporate
Next Insurance	Palo Alto, California, United States (USA)	501-1000	2016	Corporate
Interpolis	Tilburg, North Brabant, Netherlands	5001-10000	1969	Private
Liberty Mutual Insurance	Boston, Massachusetts, United States (USA)	10001+	1912	Private
State Farm	Bloomington, Illinois, United States (USA)	10001+	1922	Private
First Insurance Company of Hawaii	Honolulu, Hawaii, United States (USA)	201-500	1911	Corporate
San Cristóbal Seguros	Rosario, Santa Fe, Argentina	501-1000	1939	Private
AssuredPartners	Orlando, Florida, United States (USA)	10001+	2011	Corporate
Philadelphia Insurance Companies	Bala Cynwyd, Pennsylvania, United States (USA)	1001-5000	1980	Corporate
National Indemnity Company	Omaha, Nebraska, United States (USA)	501-1000	1940	Corporate
Sompo	Bermuda	5001-10000	2001	Corporate
BrokerLink	Canada	1001-5000	1991	Corporate
Coversure	United Kingdom (UK)	201-500	1986	Corporate

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