Worried about getting sued because a customer slipped on a wet floor you left behind?
Have you ever made a mistake that caused damage to something that wasn’t yours?
Want to make sure you’re covered for accidents on the job unrelated to your workers?
If you answered yes to any of these questions, you need General Liability insurance.
If you own a business, you need to protect yourself and your business with a General Liability policy. General Liability insurance protects you from claims resulting from injuries and damages. Your typical General Liability policy has limits of $1 Million per incident with a $2 Million aggregate. Aggregate means how much the policy would pay out for an entire year. So, you could have two incidents that would cost you $1 Million each and your policy would cover those claims. General Liability also has additional coverage for personal advertising injury ( which includes libel, slander, and copyright infringement), property damage, completed operation (property damage or third-party injuries once contracted operations cease), and medical payments.
Risk factors may affect your premiums and coverage. Some of the factors for a General Liability policy are job type, expected total sales, number of employees, payroll, subcontractor costs, and location. The type of job you do is the biggest rating factor. Jobs that have a higher risk, such as roofing, are rated higher than jobs such as handyman because there’s a greater risk of injury and damage. No matter how big or small, every business should have a General Liability policy.
To get a quote you just need the following: name, address, business name, business type, total sales for 12 months, number of employees, total payroll for 12 months, and that’s it. We can get a policy started for you On Demand. If you have more questions about General Liability, we have licensed agents available to answer your questions via chat or phone.
At InsurePro, we can help you and your business stay protected. We’ll compare prices from several carriers to not only give you the best rate, but to match you to the best carrier for your insurance needs. You can start a small General Liability policy if you just have a side business. We’ve written policies as low as $100 for the entire year! InsurePro can help you find what you need to protect your business at an affordable cost. Having peace of mind when it comes to your business is priceless, and getting a quote is simple.
Combines both property and liability coverage.
Helps cover employees if they get sick or injured.
Helps cover risks that come from operating business vehicles.
Covers equipment you use to get the job done.
We work hard to find a business insurance plan that makes the most sense for you. Leave the insurance to us so you can focus on your business.