General Liability Insurance

Ensure that You’re Insured.

How to Ensure that You have the right General Liability insurance

General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury. If someone comes to your place of business and is injured, a general liability policy could cover their medical costs. If someone else’s property is damaged and you are found to be responsible, the repair or replacement cost could be covered. And if someone’s reputation is damaged by something you or an employee said or wrote about them, the associated costs could be covered.

Fast Facts About General Liability Insurance

It is a common misconception that general liability insurance covers theft of one’s own business property. Liability insurance typically covers only third party losses for which your business may bear some form of negligence. Since theft is considered a first party loss, general liability coverage does not extend to the theft of your own business property.

There are several factors that can influence the cost of a general liability insurance premium, many of which relate to the likelihood that a claim might be made. These factors include business size, location and industry, as well as things like turnover and what coverage you’ve opted to include or not to include in your policy. Insurance premiums also depend on the type of work your business conducts, which is why it's essential to work with a team like ours to get an accurate and tailored general liability insurance quote.

While it's true that both policies are geared towards safeguarding against third party suits, they do not share any other similarities. Effectively, you need both to safeguard your business. Professional liability insurance will shield advice providing employees from bearing the full costs of litigation from external parties as well as any punitive damages in the event the said suit is found to be valid. The policy, however, does not take any responsibility for damaged property or physical injuries hence the need for GL Insurance.

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Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities.

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They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.

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Over the years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

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They have strong ties with the community, and it shows. It's nice to do business with people that really show they care about you and your family.

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Auto Insurance Calculators

If your business operations were shut down for a period of time due to a fire or other event, how much income would you lose? How much salary would you have to pay a extra expense would you incur to get your business up and running again? This calculator helps you determine the value of business income coverage needed to make you business whole again.

Simply complete the forms in step 1 and 2 below and hit calculate. A window will disply your result instantly,and a copy will be emailed to you for your reference.

1. Contact Information
2. Business Income Limit Calculator

Signup now and have your Results displayed online immediately. We'll also email you a copy for your records as well!

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