General Liability Insurance in Hattiesburg
Coverage That Keeps You in Business — Even When Accidents Happen
Every business, no matter the size or industry, faces risk. A customer slips. Property gets damaged. A lawsuit is filed. That’s where General Liability Insurance comes in.
At Howlett Insurance Agency, we help business owners across Hattiesburg and surrounding Mississippi communities stay protected with practical, affordable coverage built for real-world operations.
What Does General Liability Insurance Cover?
This essential policy protects your business against the most common — and costly — third-party claims:
Bodily Injury
Covers medical bills and legal costs if someone is hurt on your property or because of your business activities.
Property Damage
Pays for damage you accidentally cause to someone else’s belongings or building.
Personal & Advertising Injury
Covers claims like slander, libel, or copyright infringement tied to your business marketing or communications.
Medical Payments
Provides fast coverage for minor injuries without waiting for a lawsuit.
Legal Defense
Covers attorney fees, court costs, and settlements — even if the claim has no merit.
Whether you’re required to carry it for a contract or simply want peace of mind, General Liability is a smart foundational policy for nearly every business.
Industries We Serve
No two businesses are alike — and neither are their risks. We tailor coverage to your industry, helping you stay protected where it matters most. We regularly work with:
Contractors & Construction Trades
From tools and trucks to job sites and subcontractors, we’ve got you covered.
Restaurants & Food Vendors
We protect full-service kitchens, food trucks, and catering operations from equipment damage to liability claims.
Retail Businesses
Coverage for inventory, storefront property, and customer accidents in-store.
Janitorial & Cleaning Services
Policies that protect against equipment damage and liability at client sites.
Professional Services
We serve lawyers, accountants, consultants, and other office-based professionals with policies built around service risks.
Why Choose Howlett Insurance Agency?
You’re not just getting a policy — you’re gaining a local partner who understands your business and your risks.
Tailored Coverage for Your Industry
We don’t do cookie-cutter. Every business deserves custom protection.
Real People, Local Support
We’re in Hattiesburg. When you call, we answer — and we know your name.
Independent and Honest
We shop multiple top-rated carriers to find the best fit at the best price.
No Confusing Jargon
We explain your options in plain language so you feel confident about your coverage.
Common Questions About General Liability Insurance
Is General Liability Insurance required in Mississippi?
No, not by law — but many vendors, landlords, and contracts will require proof of insurance. It also protects your finances in the event of a lawsuit.
Who needs General Liability coverage?
Almost every business can benefit, especially those with physical locations, client-facing operations, or valuable property.
How much does it cost?
Premiums vary based on your industry, size, location, and risk level. We’ll help you find affordable options that meet your needs.
Does this cover my employees?
No — General Liability covers third-party claims. For employee injuries, you’ll need Workers’ Compensation Insurance.
Can I bundle this with other policies?
Yes. Many small businesses choose a Business Owners Policy (BOP) to combine General Liability with Commercial Property insurance for convenience and savings.
Get Protected With Confidence
One accident or lawsuit can put your business at risk. Let Howlett Insurance Agency help you secure the protection you need — with service you can trust.