General Liability Insurance – Protect your Business from Unexpected Risks – Get a Free Quote Today!
Why general liability insurance matters
Running a business comes with risks. General Liability Insurance safeguards your company from financial burdens due to bodily injuries, property damage, and legal claims. Whether you operate a small business or a large enterprise, this coverage ensures peace of mind so you can focus on growth.
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Who needs general liability insurance?
If you interact with clients, own a physical storefront, or operate in a high-risk industry, General Liability Insurance is a must. Ideal for:
Common claims covered by general liability insurance?
Property Damage Liability
If your business accidentally damages a client’s property, this coverage helps pay for repairs or replacements.
Bodily Injury & medical Payments
Accidents happen. If a customer slips and falls at your business, General Liability Insurance helps cover medical expenses and legal fees.
Advertising & Personal Injury
Defamation, copyright infringement, and false advertising claims can lead to costly lawsuits. General Liability Insurance helps cover legal defense costs.
Commercial Insurance FAQ’s.
Get the answers you need about insurance coverage, quotes, and services—all in one place.
Navigating insurance can be complex, but we’re here to simplify it for you. Below are answers to some of the most common questions about our services, coverage options, and how we can help protect what matters most to you. If you don’t find what you’re looking for, feel free to reach out—we’re happy to assist!
- General Liability Insurance covers physical risks like bodily injury, property damage, and personal injury.
- Professional Liability Insurance (also known as Errors & Omissions Insurance) covers risks related to your services, such as negligence, mistakes, or failure to deliver a promised service.
General Liability Insurance covers three primary areas:
- Bodily Injury: If someone is injured on your business premises or due to your business operations, the policy helps cover medical expenses and potential legal fees.
- Property Damage: If your business activities cause damage to someone else’s property, General Liability Insurance helps pay for repairs or replacements.
- Personal and Advertising Injury: This includes claims for defamation, copyright infringement, or false advertising.
Not always, but many landlords and clients require it before signing contracts.
Yes, General Liability Insurance often has exclusions such as:
- Employee Injuries: Covered by Workers’ Compensation Insurance.
- Professional Errors: Covered by Professional Liability Insurance.
- Intentional Acts: Damage caused intentionally by your business or employees.
- Automobile Accidents: Covered by Commercial Auto Insurance.
Always review your policy to understand specific exclusions.
General Liability Insurance typically covers lawsuits from customers and vendors involving bodily injury, property damage, or personal injury. However, it does not cover lawsuits from employees. For employee-related claims, you will need a separate Workers’ Compensation Insurance policy.
Costs vary based on industry, location, and business size. Request a quote for a personalized estimate.
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Not sure which insurance policy is right for your business? We understand that every business has unique risks and challenges. Our experts are here to help you navigate your options and tailor a plan that fits your needs. Schedule a free consultation, and let’s find the right coverage together.
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