General Liability Insurance

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What Is General Liability Insurance Coverage?

General Liability Insurance (GLI) is a fundamental coverage option for businesses of all sizes. It protects against claims of bodily injury, property damage, and personal injury that occur in the course of business operations. This type of insurance is essential for safeguarding your business against unforeseen legal liabilities that can arise from day-to-day activities.

What Our Clients Are Saying

The Importance of General Liability Insurance

Having General Liability Insurance is critical for any business. It not only protects your assets but also enhances your credibility with clients and partners. In today’s litigious environment, being adequately insured can prevent significant financial loss from lawsuits, making it a key component of any small business insurance strategy.

What Does General Liability Insurance Cover?

General Liability Insurance typically covers:

Bodily Injury

Protects against claims of injury to a third party on your premises.

Property Damage

Covers damages to someone else’s property caused by your business operations.

Personal Injury

Includes claims related to defamation, slander, or false advertising.

Legal Defense Costs

Covers legal fees associated with defending against covered claims.

Who Needs General Liability Insurance?

General Liability Insurance is essential for any business, especially:

Small Businesses

Provides a safety net against common risks.

Contractors and Freelancers

Insurance for contractors can safeguard against claims from clients or third parties.

Professional Service Providers

While they may also need professional liability insurance, GLI is vital for overall protection.

Acquiring General Liability Insurance

When looking to acquire General Liability Insurance, it’s important to:

Assess Your Risks

Understand the specific risks associated with your business operations.

Shop Around

Obtain multiple insurance quotes for businesses to compare coverage and premiums.

Consult an Insurance Professional

Consider working with a broker to find the best coverage tailored to your needs.

How Does General Liability Insurance Function?

General Liability Insurance functions by providing coverage limits and deductibles. When a claim is filed, the insurer will investigate the incident, cover legal fees, and any settlements or judgments up to the policy limit. This proactive approach helps manage financial risk and protect your business’s reputation.

FAQs about General Liability Insurance

What is General Liability Insurance?

It’s a policy that provides coverage for bodily injury, property damage, and personal injury claims.

How does GLI differ from Professional Liability Insurance?

GLI covers general business liabilities, while Professional Liability Insurance focuses on claims related to professional services.

Do all businesses need General Liability Insurance?

Yes, regardless of size, most businesses should have GLI to protect against common risks.

What types of claims are covered?

Claims involving bodily injury, property damage, and personal injury are typically covered.

How much does General Liability Insurance cost?

Costs vary based on business size, industry, and coverage limits.

Can I add additional coverage to my policy?

Yes, many insurers offer the option to customize coverage with endorsements.

What is the difference between Commercial Liability Insurance and Business Liability Insurance?

They are often used interchangeably, but Commercial Liability Insurance may include additional coverage options for larger businesses.

How do I file a claim?

Contact your insurer directly and provide all relevant information regarding the incident.

What happens if I don't have General Liability Insurance?

Without it, your business could face significant financial loss from claims and lawsuits.

Can I get a discount on my premiums?

Many insurers offer discounts for bundling policies or having a good claims history.

Contact Us Today

Ready to take the next step? Contact Insurance Firm today and experience the trusted support of Risk Specialty. Whether you need expert guidance or have questions about your professional liability insurance, we’re just a call or click away. Let’s connect and secure your professional future today!

Professional Liability Insurance Blog

Stay informed with industry insights and expert analysis on professional liability insurance. Visit our risk management blog for valuable resources and updates from Risk Specialty.

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David Nelson

15:10 01 Apr 19

Risk Specialty Group has handled my micro-company's insurance for almost three years. They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner. Of all my service providers, they are #1 in that department. 6 stars if I could.

Todd McMakin

16:00 04 Dec 18

We have been using the Risk Specialty Group for our company insurance for two years and have been very happy with our rates and with the customer service that we have received. They are always quick to respond to questions and requests. Highly recommended!

Su Young

18:52 04 Dec 18

Risk Specialty's owner is great to work with, excellent knowledge of the marketplace and clients' insurance needs. The staff is thorough, experienced and friendly. Great shop to consider for your insurance needs.

Elizabeth Schlitzberger

15:23 17 Jan 19

Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Parallax Consulting Group

01:30 19 Dec 18

I am currently renewing my coverage for year (2) of my business. Everyone at RSG has been extremely helpful, while also being clear and concise with all my options and/or questions through every step of my growth, risk management and company success. I would highly advise and/or recommend RSG to anyone looking to find a firm you can count on...but most importantly, trust!