GENERAL LIABILITY

What is General Liability insurance ?

We'll listen And then work with you to make sure you've got

Which GENERAL LIABILITY insurance is right for you?

What is General Liability Insurance?

General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.

If someone comes to your place of business and is injured, a general liability policy could cover their medical costs. If someone else’s property is damaged and you are found to be responsible, the repair or replacement cost could be covered. And if someone’s reputation is damaged by something you or an employee said or wrote about them, the associated costs could be covered.

Why do I need General Liability Insurance?

As a small business owner, you may be legally responsible if another person gets hurt or if their property is damaged while at your business or because of something you did. Make sure your business is properly protected against risks or accidents. General liability insurance coverage protects your small business against claims by others of bodily injury or damage to their property. However, it does not protect your own personal property.

You should consider general liability insurance coverage if you or your employees:

  • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours, there is always the possibility someone could get hurt and require medical treatment.
  • Have access to customer’s property – If you own a cleaning company and one of your employees breaks a vase while vacuuming a carpet at a customer’s home, general liability insurance could cover the cost of the vase.
  • Use advertising to market your company – If you promote your company and accidently use wording that is under copyright or trademark, general liability insurance could cover you if a claim occurs.
  • Use third-party locations for any business related activities – For example, architects should make sure that they’re covered with architects’ general liability insurance for injury or damage that might happen at a job site.
  • Enter into contracts that required general liability insurance – For example, many construction companies must have general liability insurance in order to be eligible to be awarded certain contracts.

Start with your zip code to compare car insurance

Start with your zip code to compare Home insurance

Start with your zip code to compare life insurance

Start with your zip code to compare health insurance

945+ Reviews

Client Logo

Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

Maria Marlin
Client Logo

Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

Maria Marlin

Carriers we represent