Protection against the risk of damages.
When you look around your business, it’s obvious that you need to 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 does general liability insurance cover?
General liability insurance (or commercial 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. Whether it is by combining it with your commercial property insurance policy to form a business owners policy (BOP), or some other way, we can help you to determine a policy that works for your unique business.
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As an independent agency, we are here to help you find the right coverage.
