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Commercial General Liability Insurance

General Liability Insurance, also known as a Business Liability Insurance, is insurance coverage that protects you from third party numerous claims such as property damage, personal and bodily injuries, and other claims that can come up from your business processes and operations.

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Business liability insurance will cover the following:

  • Personal injury
  • Medical payments
  • Damage to properties rented to your business
  • Products completion operations
  • Property damage and bodily injury liabilities
  • Electronic data liability
  • Defense costs
  • Advertising injury
  • Actions for temporary staff and full-time employees

Who will need general liability insurance?

General liability insurance is frequently combined with property insurance in a BOP- Business Owner Policy. It can also be available as stand-alone insurance coverage for many contractors. As a small business owner or a contractor, you will need some form of liability insurance for your business to protect your livelihood. One single accident can result in a massive lawsuit that your personal and business finances might not be able to handle. The best way to protect yourself and your business against such an incident are to ensure you have a business liability insurance coverage that equals your exposure level. Some clients and employers might also require you to take on a certain amount of liability before working for them. Below are the types of businesses that will need general liability insurance coverage:

  • Small business owners
  • Artisan contractors
  • IT contractors
  • Marketing firms
  • Janitor services
  • Consulting firms
  • Real estate agents
  • Landscaping companies

General Liability Coverage for Business Owners and Contractors

If you are a contractor, you may need to get general liability insurance instead of a full BOP. For Example, you may think that you’re not exposed because you don’t want to own any commercial buildings that need property insurance or require to cover operating expenses and the payroll. However, you may still be exposed to liability risks due to the nature of your job. As a contractor, you may be liable to get general liability insurance with no extra coverage.

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Costs of General Liability Insurance

The cost of general liability insurance depends on numerous factors. One of the factors is the type of business you do. Firms and companies in higher-risk industries will pay a higher cost for coverage than those in low-risk industries. For Example, consulting companies are likely to be charged less than a construction company. Other factors that affect the cost of general liability insurance may include:

  1. A company’s years of experience
  2. Size
  3. Building conditions
  4. Location
  5. History of insurance claims
  6. Policy details such as coverage deductibles and limits
  7. Building condition

The most effective way to find the exact cost your business will pay for general liability insurance is to get a quote from an insurance company. Companies also tailor a policy according to your specific business needs depending on how your business will be best protected.

Why do you need business liability insurance?

Many entrepreneurs don’t quite understand why they need general liability insurance. The answer is easy- as a business owner, the coverage helps you protect your business from liability claims. The insurance coverage will be helpful if a claim comes up during everyday business situations like:

  1. You or your employees are representing a customer.
  2. You are advertising your business.
  3. Using a rented location to run your business activities
  4. Working with or on another individual’s property
  5. Face-to-face meetings with clients

You may also need the liability insurance coverage if you are looking to sign a client or a customer who requests it. Some clients will want to confirm that you have business liability insurance before signing a contract to work with your business. To prove you have the insurance coverage, you must provide a certificate of insurance.

Does the law require general liability coverage?

States don’t require businesses to have general liability insurance coverage. However, it’s still a good idea to have one. If someone sues your business and you don’t have liability insurance, your assets and business finances can be put at risk.

For a fast Commercial General Liability Insurance quote call (843) 951-9099 now!

It’s also essential to work with a local insurance agent to help you understand all your state’s insurance requirements for your type of business. Working with a local insurance agency will help you make the right decision when choosing the insurance coverage your business needs.

Bottom Line On Commercial General Liability Insurance

As a business owner, you may be legally liable if someone gets hurt or their property is damaged because of something you did or while they were at your business location. Getting general liability insurance will help you cover their medical costs and repairs or replacements of their damaged property. The liability cost will also cover costs associated with reputational damage due to something you or your employees said or wrote about them.

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843-951-9099

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843-951-9099

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