Client Portal
Report a Claim
Library
General Liability
Your general liability protects you when damage is done to someone else’s property or an injury occurs (by negligence or acts of omission) while you’re operating your business. Situations like these can be a hard financial hit to your business. However, with the appropriate coverage, you can rest assured that your business will not be in jeopardy. Accidents happen. We can help you prepare for the unexpected.
Commercial general liability covers:
- Bodily injury and property damage, including emotional distress and mental trauma.
- Medical expenses for someone other than an employee who is injured on your property.
- Personal and advertising injury, such as copyright infringement, libel and slander, invasion of privacy, wrongful evictions, false arrests, use of another company’s intellectual property, and misleading advertising claims.
General Liability FAQs
What liability limit should I have on the policy?
No less than $1,000,000 per occurrence. You should review your exposures with us to determine a limit based on your business/situation.
My liability policy is based on payroll, and there is a large difference between my current payroll and the time my policy started or was last renewed. May I make a mid-term adjustment to the estimated payroll on my policy?
Yes. If the insurance company allows, it’s recommended to adjust the estimated payroll mid-term to avoid a large audit at the end of the policy period.
How do I know if I have enough liability coverage?
It depends on your risk appetite and how much you are willing to take on yourself. We can provide an assessment of your risk exposures, and in some cases, we will need to inquire about the amount of coverage an insurance company is willing to provide based on your exposure.
What is a Certificate of Insurance (COI)?
A COI is a document provided by the insurance agency to a third party and is proof that a business has insurance coverage as of the date the COI is issued. It provides one or more lines of insurance, policy number, effective and expiration dates, insurance company, and coverage limits.
