General Liability

Protect your business and save!

General Liability

Protect your business and save!

General Liability Insurance

As a business owner, every transaction you complete can result in either a profit, or a risk. Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle.

What does business liability insurance cover?

General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. It may also cover you if you are held liable for damages to your landlord’s property.

Liability insurance is appropriate for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your tolerance for risk of financial loss:

  • Professional Liability
  • Commercial General Liability
  • Directors and Officers liability
  • Commercial Crime Business Personal Property
  • Business Owner Property (BOP)

There are other risk that may be covered, including:

  • Bodily injury should a client trip and fall over your briefcase, or lose footing on a slippery floor, and you’re found legally liable for their injury.
  • Personal injury should an employee talk to a fellow employee of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.
  • Property damage and data loss should you accidentally spill coffee on a client’s server that causes data loss, or a tree falls on their car in your parking lot.

Workers Comp Insurance

Workers compensation insurance protects your employees and your business from work-related accidents and illnesses. Nearly every state requires that employers have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job. If you don’t carry workers compensation insurance, you could be liable for these costs, and be subject to fines or penalties by the state.

For more information on Business Insurance guidelines check out this Consumer Guide

Protect your business..  Ask about different types of insurance for your and your staff.  Let us customize a plan that fits your exact situation. A little planning today could save a lot of time in the future.  We’re happy to answer any questions you may have and find a policy that fits your business!