General Liability Insurance

Large and small businesses should be protected from the high costs of judgments with General Liability Insurance.  This protects you when your company is sued due to injury claims, property damage or similar liability issues. It is a must-have in today’s business world where companies are sued for a variety of reasons.  Even the most honest, careful and diligent companies can be sued when a customer perccives they have been wronged in their dealings or experiences suffering  some type of loss including injury and property damage.

General Liability Insurance is most often bundled with a business owner’s commercial property insurance policy.  This combination is generally called a BOP policy or Business Owner’s Policy.  The maximum payout for this type of policy is generally capped and many companies opt to add Excess Liability Insurance to their insurance portfolio.  This covers the difference if they are successfully sued for an amount higher than their underlying policy.

With General Liability Insurance, you will have financial support for claims, legal fees, court costs and even costs to appeal a judgment.  Our professional experts can help you determine the amount of coverage you need depending on the risk factors associated with your business.  They can also help you determine if you need additional or Excess Liability Insurance coverage.  Every business is different and all have unique factors that determine the protection they need.  For instance, a small office of professional associates that do not use vehicles on the job and don’t have visitors would usually require a policy of much less significance then the fast food restaurant next door.  The restaurant is at risk for slip and fall, food related issues as well as property damage due to spreading fires perhaps.

Let us help you determine the right Liability Insurance for you.  Contact us for all your Commercial Insurance questions.