​Low Cost General Liability Insurance

General Liability Insurance to fit your budget and needs

​

What is Commercial General Liability Insurance?
General liability insurance protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below.
​ 
Why do I need General Liability Insurance?
We understand the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

• Interact with clients face to face - If you visit a client’s place of work, or clients visit yours
• Have access to a client’s equipment - For example, IT professionals should be covered against potential claims with IT business liability insurance
• Represent your client’s business
• Use third-party locations for any business related activities - For example, architects should make sure that they’re covered with architect’s business liability insurance
• Are required to have general liability insurance before entering into a contract

​Commercial property insurance is like having a superhero for your business, ready to swoop in and save the day when disaster strikes. It's the ultimate safety net that helps protect your hard-earned assets by covering all or part of the costs when a covered loss occurs. Whether you own, rent, or lease your business building, property insurance can help keep your doors open even during tough times.
 
But, not all commercial property insurance policies are created equal. While basic policies may cover things like fire damage, most savvy business owners opt for a more comprehensive plan, known as a Businessowners Policy or BOP. A BOP provides coverage for your business' buildings, including installed fixtures, machines and equipment, as well as outdoor fixtures. But that's not all - it also covers the contents of your business, such as inventory, machinery, and computers.
 
But wait, there's more! A BOP also covers items owned by others that are in your care, custody, and control, as long as your business is legally liable for that property. However, there are some causes of loss that are not covered by commercial property insurance or a BOP. Don't worry though, you can still add them by endorsement. Some of these include employee dishonesty, steam boiler breakdown, flood, earthquake, and crime.
 
It's important to note that not all of your business property is covered with a commercial property policy. You may need additional coverage for commercial autos, outdoor fences, and signs not attached to your building. That's where our agency comes in - we can review your business needs and make sure you have the necessary coverage for your unique business needs.
 
In addition to protecting your physical assets, it's also important to discuss your disaster recovery plans with our agent. This ensures that you have coverage for lost income and extra expenses that result from recovering from a covered loss. So, don't wait until disaster strikes - get commercial property insurance and give your business the superhero protection it deserves!

​What does General Liability Insurance cover?

• Bodily Injury
• Damage to third party property
• Personal injury
• Advertising injury
• Electronic data liability
• Medical expenses
• Defense costs
• Actions of your full-time employees and temporary staff
• Supplemental payments

What is not covered?

• Your property
• Vehicles and boats
• Personal identifiable information
• Professional services
• Employee injury / workers' compensation
• Intent to injure
• Coverage outside policy period
• Known claims prior to start of policy