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Business Insurance

General Liability Insurance / Commercial Liability Insurance

General liability insurance protects your business from any potential injuries or damages to your property that happen as a result of your business operations. From medical expenses to legal fees, general liability insurance will cover potential expenses that your business may not want to – or may not have the ability to – pay out of pocket. It protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property.

For example, someone might claim that your business…

Created an unsafe environment where someone was injured.

Damaged personal property.

Is responsible for an injury caused by you or one of your employees.

Some entrepreneurs and small-business owners have difficulty imagining a scenario in which their business could be responsible for hurting or killing someone, or for causing someone to suffer an illness or disease. You should consider business liability insurance coverage 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 technicians should make sure that they’re covered against potential claims against them with IT business insurance

>Represent your client’s business – For example, PR consultants managing  their client’s PR strategy or speaking on behalf of their client

>Use third-party locations for any business related activities – For example, while visiting a client’s premises, the client trips over your briefcase and gets injured – your business may be liable. Your fault or not, our general liability coverage will protect your business against covered claims by paying defense costs and any damages up to your policy limit.

>Are required to have general liability insurance before entering into a contract

It’s important to note that General Liability Insurance protects your business against claims brought against the company “as a whole”, as well as claims brought against individuals on the company’s behalf. When a lawsuit commences, your General Liability policy covers the costs of investigating or defending those claims, which might include paying attorney fees, witness fees, court expenses, and more.

Up to stated limits, commercial liability policies may also cover bond premiums, settlements, and judgments arising from covered lawsuits, including the medical costs for someone suing about an injury.

GL Insurance coverage may also include

Coverage for Property Damage Claims

Completed Products Coverage

Contract Liability Coverage

Personal and Advertising Injury Coverage

Liquor Liability Coverage

Medical Expenses Coverage

We can help you make sure your company has appropriate commercial General Liability insurance coverage. We will help you assess your risks and find the best policies for your needs.  Contact us today to learn more.

Business interruption coverage

pays for the income you lose while defending yourself in court, along with certain other expenses you may incur to return your business to normal operations.

We can help you make sure your company has appropriate Business Interruption coverage. We will help you assess your risks and find the best policies for your needs.  Contact us today to learn more.

Business Owner’s Policy(BOP)

Many business owners mistakenly believe that if they have general liability insurance, their own losses are covered as well as the losses of their customers. But a general liability policy does not protect you when it comes to your OWN property. If your business is classified as low-risk, you may be eligible for bundled PropertyInsurance and  General Liability Insurance coverage in a specialized, affordable policy known as a Business Owner’s Policy, or BOP.

If you want to protect your own property consider buying Business Owners Policy (BOP).

 

  • You should consider a business owners policy if you
  • Need general liability insurance coverage.Have business equipment such as computers, printers and furniture.
  • Own the building at which you work and need to insure the property.
  • Own and work with large amounts of data on a regular basis
  • Have employees who could act dishonestly or steal clients’ property

We can help you make sure your company has appropriate BOP insurance coverage.

We will help you assess your risks and find the best policies for your needs.  Contact us today to learn more.