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General Liability Insurance 

Business Owner with Open Sign

What Does General Liability Insurance Cover?

General Liability Insurance is the most common type of insurance sold to business as alm ost every business needs at a minimum, to protect themselves from claims and lawsuits filed by a 3rd party who claims they were financially or bodily harmed by your company,

General Liability Insurance includes coverage for:  Premises and Operations, Products and Competed Operations, Premises Medical, Advertising Injury, and Fire Legal Liability

It is important to include list out all potential operations of your business to ensure that coverage exists for all of your exposures.  For example, let's say you have an exterior painting exposure as the only listed exposure on the policy.  In the winter months, you decide to sell services for snow removal or Christmas Light installation.  Losses for anythiing other than exterior painting will not be covered as they fell outside of your scope of operation.

What Questions Should I Ask My Agent?

-Do I need any protection for Professional Liability (Errors and Ommissions, Malpractice)?

-What is an audit asnd how do I avoid a large premium increase from an audit?

_Do I need to obtain Certificates of Liability Insurance from all od my subcontractors?  What if they do not have insurance?

-Do I need to add seperate coverage for Liquor Liability?

-Should I add coverage for Business Property or tools or equipment?

What Factors Determine Your Rate?

-The nature of your business and years of experience

-Your loss history

-Your estimated gross revenue for the next 12 months

-Your estimated payroll for the next 12 months

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