General Liability Insurance

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General Liability Insurance

The Risk Specialty Group is your trusted partner for risk management and business insurance solutions. We specialize in general liability insurance, offering expert guidance and access to specialized carriers that many agents might not even be aware of. With our extensive network of insurance providers and global markets, we help businesses like yours enhance their liability coverage while minimizing costs.

What Is General Liability Insurance?

General liability insurance, also known as commercial general liability insurance (CGL), safeguards your business from claims related to bodily injuries, property damage, and other liabilities. Without it, you could face significant financial burdens from legal claims.

Why Is General Liability Insurance Important?

Here’s why your business needs general liability insurance:

Employee Theft

Protects against losses caused by dishonest workers.

Forgery or Alteration

Covers financial loss from altered checks or documents.

Cybercrimes

Protects against online scams, hacking, and phishing.

Burglary and Robbery

Covers theft of money or property from your workplace.

Burglary and Robbery

Covers theft of money or property from your workplace.

Third-Party Crimes

Shields your business from external fraud or crimes.

Having general liability insurance is an essential part of your overall business insurance and risk management plan.

What Does General Liability Insurance Cover?

This insurance shields your business from various claims, including bodily injury, property damage, reputational harm, advertising injury, and damage to rented property. It’s crucial for protecting your business interests.

Bodily Injury

Pays for medical costs if someone is hurt while visiting your business.

Property Damage

Covers repairs if your business damages someone else’s property.

Product Liability

Helps pay for injuries or damage caused by your products.

Advertising Injury

Protects you if your business is sued for false advertising or defamation.

Medical Payments

Pays for treatment if someone is hurt on your property, no matter who’s at fault.

This insurance is a vital part of your business insurance and risk management strategy, ensuring your company is prepared for the unexpected.

Who We Serve

We provide comprehensive business insurance and risk management solutions tailored to meet the unique challenges of any industry. Our expertise ensures your business is protected with strategies designed to mitigate risks and safeguard your success.

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States We Serve

Arizona

Arkansas

Oklahoma

Texas

Select your state to explore available business insurance coverages.
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All Business Insurance Solutions

Our comprehensive risk management services safeguard your assets, employees, and profits against unexpected challenges.

Types Of Business Insurance Offered

We offer a full range of business insurance solutions. Each policy is designed to protect your business from specific risks, ensuring comprehensive coverage and peace of mind.

Commercial Automobile Insurance

Covers your business vehicles against accidents, liability, and damage with specialized commercial automobile insurance.

Business Personal Property Insurance

Protect your business equipment, inventory, and furnishings from loss, damage, or theft with comprehensive business personal property insurance.

Cyber Liability Insurance

Defend your business against cyber-attacks and data breaches with robust cyber liability insurance coverage.

Directors and Officers (D&O) Liability Insurance

Safeguard directors and officers from legal claims related to business decisions with directors and officers (D&O) liability insurance.

Employment Practices Liability Insurance

Ensure coverage for claims related to wrongful termination, discrimination, or harassment through employment practices liability insurance.

Environmental Liability Insurance

Secure your business against environmental damage, cleanup costs, and related legal expenses with environmental liability insurance.

Fidelity and Crime Insurance

Protect your business from financial losses due to fraud or theft by employees with fidelity and crime insurance.

Fiduciary Liability Insurance.

Provide coverage for claims arising from the mismanagement of employee benefit plans with fiduciary liability insurance.

General Liability Insurance

Obtain fundamental protection for bodily injury, property damage, and advertising injury claims with general liability insurance.

Inland Marine Insurance

Cover your business assets in transit or stored off-site with inland marine insurance.

Kidnap and Ransom Insurance

Get comprehensive coverage for ransom payments and crisis management for high-risk operations with kidnap and ransom insurance.

Professional Liability Insurance

Protect your business against claims of negligence, errors, or omissions in professional services with professional liability insurance.

Surety Bond Insurance

Guarantee your business meets its contractual obligations with surety bond insurance.

Umbrella Insurance Policy

Extend your coverage beyond standard policy limits for added protection with an umbrella insurance policy.

Workers Compensation Insurance

Cover medical expenses and wages for work-related injuries or illnesses with workers compensation insurance.

FAQs about General Liability Insurance

What is General Liability Insurance?

It’s insurance that helps protect your business if someone is injured or their property is damaged because of your business activities.

Does the law require general liability insurance?

It’s not legally required, but it’s highly recommended to avoid expensive lawsuits or financial losses.

How is the premium for general liability insurance calculated?

The premium depends on your business size, the industry you’re in, and the level of risk associated with your activities.

What happens if I don't have general liability insurance?

If you don’t have it, your business could face major financial challenges if a lawsuit or accident occurs.

Can I customize my general liability insurance?

Yes, you can adjust your coverage to meet the specific needs of your business.

How do I file a claim?

To file a claim, contact your insurance company and explain what happened. They will guide you through the process.

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.

Does general liability insurance cover my employees?

No, general liability doesn’t cover employee injuries. You’ll need workers’ compensation insurance for that.

Will my insurance cover legal defence costs?

Yes, general liability insurance helps pay for legal defence if your business is sued.

Can my policy be cancelled?

Yes, your policy can be cancelled for reasons like non-payment or if your business activities change significantly.

Why Choose Risk Specialty Group for General Liability Insurance?

At Risk Specialty Group, we’re more than just an insurance agency – we’re your partner in protecting your business from everyday risks. Here’s why businesses trust us for their General Liability Insurance:

Industry Expertise

We understand the common risks businesses face and design policies that offer the right coverage for your industry.

Tailored Coverage

Our General Liability Insurance covers bodily injury, property damage, and advertising injury, providing broad protection for your business.

Proactive Risk Management

We help identify potential risks and offer strategies to reduce exposure, keeping your business safe from costly claims.

Comprehensive Protection

Our policies protect your business from lawsuits, accidents, and third-party claims, ensuring you’re covered no matter what happens.

Trusted Partnerships

We work with top-rated carriers to provide you with the best coverage options at competitive rates.

Ongoing Support

Our team offers continuous guidance and regular policy reviews to ensure your coverage adapts to changes in your business.

At Risk Specialty Group, we’re your trusted partner in managing risks. Let us help you protect your business from the unexpected with comprehensive General Liability Insurance.

What Our Clients Are Saying

Don’t just take our word for it – hear from businesses who trust Risk Specialty Group to protect their future:

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!

Risk Management 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!