General Liability Insurance
General Liability Insurance Quotes
General liability may be enough for your business. What else should you consider?
Insuremart is the agency of choice for many business owners and managers when buying General Liability insurance. Not only do they rely on us for purchasing insurance, they look to us for guidance on proper coverage and options for better protection.
It’s impossible to recognize every risk to every business. That’s what General liability insurance is for. It will cover risks that are simply unknown. The key is to recognize risks that may not be covered by a standard general liability policy. And that’s what our outstanding agents are known for.
Insuremart has direct access to
over
100
insurance carriers
Nobody can sell for less, and we work for you.
General liability insurance is there when the unexpected happens. So are great agents.
What does general liability insurance cover?
The typical General Liability policy will include coverage for:
- Bodily Injury: Someone other than an employee gets injured on your owned or leased property, or your job site, you are covered for their medical bills.
- Property Damage: If your business somehow damages a third-party’s property, this portion of the coverage kicks in to pay for repairs or replacement.
- Lawsuit Defense: If someone files suit against you over an incident (even when a frivolous claim); GLI helps cover legal bills.
- Reputation Protection: Nobody wants their brand disparaged. The consequences can be enough to close a business. That isn’t common, however. What’s more likely is a few bad reviews that seem to sprout wings and linger for some time. Also consider income protection to help cover lost income.
- Advertising mistakes: Copyright and trademark infringement to slander and libel. Even a simple statement of comparison to a competitor that isn’t appreciated. You’re covered here.
Typical limits
Limits vary based on your risks, industry, and revenues. It’s common to carry limits of $1 million per claim, $2 million per year. Higher-risk businesses often require higher limits to cover those risks, and sometimes it’s just a good idea to have higher limits. Base it on your risk and give yourself some room.
How much will general liability insurance cost my business?
Good to know: Insuremart works with over 100 insurance carriers. Nothing gives you an advantage when buying General Liability insurance — or any insurance — like a great agent and more options. Talk to our agents.
Like most insurance, it depends; consider factors like:
- Your Industry: Industrial businesses pay more than online-only businesses due to higher risks.
- Revenue: Higher income can lead to higher dollar claims; premiums will be affected.
Don’t dismiss additional protections
This is another area Insuremart shines. Our agents will provide straightforward guidance on endorsements you should consider, all based on your operation and risks. That’s how people make smart decisions on insurance. Give our agents a try.
- Products & Completed Projects: If someone gets injured by your products or post job completion. Keep in mind you will need to defend yourself even if fraudulent or frivolous.
- Employment Practices Liability: An unhappy employee claims harassment, for example. Another example is discrimination. Employee strife is bad for business, so insurance that helps with legal representation and resolution is worthy protection.
- Cyber Liability: CL covers data breaches and online attacks that can literally halt all business activity. In today’s world, you are gambling without CL, and odds of winning once struck are 0.
General liability + affordable add-ons = Solid business protection
Get a General Liability insurance quote from Insuremart right now. Our agents are ready to help.