General Liability Insurance
Overview
General liability insurance, also known as business liability insurance, provides coverage for your business against claims of bodily injury, property damage, and personal injury. This type of insurance is essential for protecting your business from financial losses due to lawsuits and other legal claims.
Types of Coverage:
Bodily Injury: Covers medical expenses and legal fees if someone is injured on your business premises or as a result of your business operations.
Property Damage: Covers the cost of repairing or replacing property damaged by your business operations.
Personal and Advertising Injury: Covers claims of libel, slander, copyright infringement, and other advertising-related offenses.
Medical Payments: Covers medical expenses for injuries that occur on your business premises, regardless of fault.
Factors Affecting Premiums:
Business Type: The nature of your business and the risks associated with it can impact your insurance costs.
Location: Where your business operates can affect your premiums due to factors like crime rates and local regulations.
Business Size: The size of your business, including the number of employees and revenue, can influence your premiums.
Claims History: A history of frequent claims can lead to higher premiums.
Coverage Amount: Higher coverage limits and lower deductibles will increase your premium.
How to Get a Quote: To get a quote for general liability insurance, please visit our business insurance quote form.