GENERAL LIABILITY INSURANCE
Protect your business from injury, property damage, and personal harm claims with general liability insurance.
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- General Liability
WHAT IS GENERAL LIABILITY INSURANCE?
General liability insurance shields your business from financial impacts of third-party injuries, property damage, and personal/advertising injury. It's essential for maintaining focus on business development and is easily accessible at an affordable cost.
- General Liability
WHAT DOES GENERAL LIABILITY INSURANCE COVER?
General liability insurance covers the costs of investigating and defending claims, as well as paying for damages, if you are found liable for issues such as:
- Bodily Injury
Your workplace likely has slip-and-fall hazards.
If a customer gets injured while visiting your location, you could be held responsible for their medical expenses and other damages.
- Property Damage
Perhaps you visit your clients' homes to provide your services.
If you accidentally damage their property while on site, you could be liable for repairs or replacements.
- Personal and Advertising Injury
Advertising your company is part of your job to grow the business.
If a competitor claims that your ad harmed their reputation, you could be held liable for defamation.
- General Liability
WHO NEEDS GENERAL LIABILITY INSURANCE?
If you work directly with third parties, you likely need it. Flying tools and spills create a constant risk of injury or damage. General liability insurance offers "floating coverage" to protect you anywhere, in any situation. Who needs it? If your business involves any interaction with others, you do.
QUESTIONS? WE HAVE ANSWERS
Explore our FAQs to learn more about General Liability Insurance
Yes, you can usually deduct general liability insurance premiums as a business expense on your taxes, as it’s considered a necessary cost for operating your business. It’s best to consult with a tax professional to confirm this applies to your specific situation.
No, general liability insurance doesn’t cover damage to your store, office, or physical location. It only protects against damages or injuries caused to third parties. To cover damage to your own property, you would need commercial property insurance.
covers third-party claims for injuries or property damage, while (E&O) covers claims related to mistakes, negligence, or failure to deliver services as promised.
An is a person or organization added to your insurance policy to receive coverage under specific conditions. This is often done through an endorsement, allowing them protection in case of claims related to your business operations, such as a client or contractor.
General liability claims are handled by reporting the incident to the insurer, who investigates the claim. They evaluate its validity and coverage, then either settle or deny the claim. If approved, the insurer pays for damages or legal fees based on the policy terms.
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Read testimonials from our clients on how our programs have helped them protect their employees and save money on insurance payouts.
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