General Liability Insurance
Reliable General Liability Insurance to Protect Your Business
Navigating Business Risks
Commercial General Liability (CGL) insurance is a fundamental policy that protects businesses against financial losses due to liabilities. It covers non-professional negligent acts and provides protection against claims of bodily injury, property damage, and advertising injury that can arise from your business operations. When applying for CGL insurance, it's important to consider the scope of your business activities, potential risks, and the coverage limits that will adequately protect your assets. Tailoring your policy to include or exclude specific scenarios based on your business's unique needs can help ensure you're not overpaying for unnecessary coverage or underprotected in key areas.
Comprehensive Protection
Our expertise in Commercial General Liability insurance means we can guide you through selecting the right coverage for your business, ensuring you're protected against common risks and potential financial pitfalls. We offer competitive pricing and can help you identify discounts for which your business may qualify, such as those for implementing safety programs or having a claim-free history. Essential questions to ask our agents include details about coverage limits, policy exclusions, and how to adjust your policy as your business evolves. By partnering with us, you'll benefit from tailored advice and a policy that fits your budget while safeguarding your business from liability claims.
Frequently Asked Questions
What is general libility insurance and why do businesses need it?
General liability insurance helps protect your business from lawsuits and claims involving bodily injury and property damage, advertising injury, and more. It’s one of the most common types of business insurance, especially for small business owners who need broad, foundational protection.
What does general liability insurance cover?
Standard general liability insurance covers third-party injuries, property damage, and legal fees tied to your business operations. If a customer slips in your store or your service damages client property, your policy helps cover medical expenses, legal costs, and settlements.
What's the difference between general liability and business owner's liability?
The question of business owners policy vs general liability is a common one. A general liability policy stands alone, covering legal risks like injury or damage. A business owner’s policy, a BOP, combines general liability with commercial property insurance and often includes extras tailored to small business owners. Choosing between general liability vs business owners policy depends on whether you need bundled property protection.
Is general liability insurance tax deductible?
Yes— general liability insurance is tax deductible in most cases when it’s a business expense. Speak with a tax advisor to understand how general liability insurance tax benefits apply to your situation.
Who needs general liability insurance?
Virtually every business, from retail to consulting, benefits from general liability protection. Even if you work from home, accidents can happen, and clients may still require a certificate of insurance, a COI, before working with you.
What's the difference between general liability and professional liability insurance?
General liability protects against physical risks and negligence, while professional liability insurance, also known as errors & omissions insurance, covers claims related to mistakes in professional advice or services. Many businesses carry both, depending on their field.
Can I add others to my policy?
Yes. If you’re contracting with vendors, landlords, or clients they may ask to be listed as an additional insured on your policy. This extends certain general liability coverages to them, typically for specific jobs or time periods.
How do I get a quote and file a claim?
You can easily purchase general liability insurance through a licensed agent or request a general liability insurance quote online. When filing a claim, document the incident clearly, take photos if needed, and notify your insurer promptly to begin the process.
