Protection that keeps up with your industry.
General liability insurance to protect your livelihood.
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.
Protection against the risk of damages.
When you look around your business, it’s obvious that you need to help protect against damage to your buildings, equipment, and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
What general liability insurance does and does not cover.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
When is general liability insurance required?
Your business needs general liability insurance if you ever meet clients (at your business or theirs), or have any physical access to their equipment. Additionally, general liability insurance may be a requirement before some businesses will sign a contract with you.
General liability insurance is a common necessity for most businesses. We can help you to determine a policy that works for your unique business.
The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
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