Protect Your Business from Uh-Oh Moments
General Liability Insurance
Be Prepared for Uncertainty
General liability insurance is a common necessity for most businesses and may be required before others will sign a contract with you. We can help you determine what coverage makes sense for your unique business.
For contractors and other businesses that require them regularly, we provide 24/7 access to Certificates of Insurance (COI).
Property Damage
In case an employee accidentally damages a client or customer’s property
Injuries
If a client or customer slips and falls at your business, requiring medical treatment
Legal Fees
You'll need an attorney for a lawsuit, even if you did nothing wrong
Medical Payments
Someone (excluding employees) gets injured and needs you to pay for medical expenses
Reputation Harm
An employee bad-mouths a customer on social media and the customer sues you
Advertising Injury
You use a copyrighted image in your advertising and the photographer sues you
General Liability Insurance FAQ
General Liability Insurance covers you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. Being properly insured is the best way to protect your company. We’re here to help.
General Liability Insurance (GLI) can provide financial protection for common accidents at a business. For example, someone other than an employee gets hurt and your business is at fault. This is called “bodily injury.” It can also cover:
- Repair or replacement costs if your business damages someone else’s property
- Legal costs to defend your business
4 out of 10 small businesses will likely experience a liability claim in the next 10 years. The average cost of this kind of claim is $35,000. If a claim leads to a lawsuit, it can increase the average cost to more than $75,000 to defend and settle.
Without General Liability Insurance, you would have to pay for these costs out of pocket and it can put you out of business.
Some states and cities will only give you a business permit if you have an active GLI policy and a Certificate of Insurance. You may also be required to keep your insurance active if your business is certified or accredited by a professional organization.
Most independent contractors, including 1099 contractors, are required to have General Liability Insurance.
We hear this one a lot.
Professional Liability Insurance can help cover mistakes and accusations of neglect. It’s often related to advice you provide to a client or customer, not accidents in the workplace related to physical damage or personal injury.
Not typically, no.
GLI covers personal injuries to others (like customers or clients), but not to you or your employees. Workers Compensation Insurance can help pay for medical expenses and lost wages if an employee is hurt on the job.
