Shield Your Success: General Liability Insurance That Means Business

Yes, it's recommended for businesses of all sizes to protect against common risks that can result in costly lawsuits.

General liability insurance protects your business from financial loss due to third-party claims of bodily injury, property damage, and personal or advertising injury.

It covers legal defense costs, settlements, and judgments related to third-party bodily injury, property damage, and personal or advertising injuries like libel or slander.

It doesn't cover employee injuries (workers' compensation), professional errors (professional liability), auto accidents (commercial auto), or intentional acts.

Premiums are based on factors like business size, industry risk level, location, coverage limits, and claims history.

Occurrence Limit: The maximum amount the insurer will pay per incident. Aggregate Limit: The maximum amount the insurer will pay during the policy period.

Yes, many insurers offer package policies like a Business Owner's Policy (BOP) that combines general liability with property insurance.

Consider factors like your industry risks, contract requirements, and potential exposure to claims when choosing coverage limits.

A COI is a document that proves your business has insurance coverage, often required by clients or landlords.

General Aggregate Limit: The total limit for all claims during the policy term. Per-Project Aggregate Limit: Separate aggregate limits apply to each project, which is beneficial for construction businesses.