General Liability Insurance in Hattiesburg
Coverage That Keeps You in Business — Even When Accidents Happen
Every business, no matter the size or industry, faces risks. A customer slips. Property gets damaged. A lawsuit is filed. That’s where General Liability Insurance comes in. At Howlett Insurance Agency, we help Mississippi business owners stay protected with coverage that’s practical, affordable, and built around your day-to-day operations.
What Does General Liability Insurance Cover?
This essential policy helps protect your business from the most common — and costly — third-party claims:
Bodily Injury
Covers medical expenses and legal costs if someone is injured on your property or due to your business activities.
Property Damage
Pays for repairs or replacement if you accidentally damage someone else’s property.
Personal & Advertising Injury
Covers claims of libel, slander, or copyright infringement tied to your business advertising or communication.
Medical Payments
Provides quick coverage for minor injuries without the need for a lawsuit.
Legal Defense
Covers attorney fees, court costs, and settlement expenses — even for groundless claims.
Whether you're required to carry coverage for a contract or just want peace of mind, this is a foundational policy for every business.
Industries We Serve
No two businesses are alike — and neither are their risks. At Howlett Insurance Agency, we provide tailored commercial coverage for a wide range of industries across Hattiesburg and surrounding counties.
We regularly work with:
Contractors & Construction Trades
Coverage for tools, trucks, job sites, and subcontractor liability.
Restaurants & Food Vendors
From food trucks to full-service kitchens, we protect your operations, staff, and equipment.
Retail Businesses
Coverage for storefronts, inventory, business property, and customer liability.
Janitorial & Cleaning Services
Protection for employees, equipment, and service-related liability.
Professional Services
Specialized protection for lawyers, accountants, consultants, and office-based professionals.
Why Choose Howlett Insurance Agency?
We don’t just sell insurance — we help business owners make informed, confident decisions.
Coverage Tailored to Your Industry
From contractors to retailers, we customize coverage based on your real risk.
Local Service That Delivers
You call — we answer. We’re right here in Hattiesburg when you need us.
No One-Size-Fits-All Policies
We get to know your business so we can build the right protection from the ground up.
Access to Top Commercial Carriers
As an independent agency, we shop multiple insurers to find the best fit for your needs and budget.
Common Questions About General Liability Insurance
Is General Liability Insurance required in Mississippi?
It’s not required by state law, but many landlords, vendors, and clients will require proof of coverage to do business with you. It also protects your finances from unexpected lawsuits.
What types of businesses need General Liability?
Almost every business — from sole proprietors to large operations — can benefit. It’s especially important for businesses with physical locations, customer interactions, or potential property exposure.
How much does it cost?
Premiums vary based on industry, location, revenue, and coverage limits. We help you find the right balance between protection and affordability.
Does General Liability cover employees?
No. This coverage applies to third-party claims. Employee injuries are handled through Workers’ Compensation Insurance.
Can I bundle this with other business policies?
Absolutely. Many small businesses choose a Business Owners Policy (BOP), which combines General Liability with Commercial Property coverage for convenience and savings.
Get Protected With Confidence
Don't let one incident threaten everything you’ve built. At Howlett Insurance Agency, we make it easy to secure the right General Liability Insurance — so you can keep doing what you do best.