Protect Your Business from the Unexpected with Confidence
General Liability Insurance
Guarding Your Operations: The Essential Shield of General Liability Insurance
Bodily Injury and Property Damage
Protection against claims of physical harm or property damage caused by your services or operations.
Personal and Advertising Injury
Safeguards against slander, libel, and other personal injury claims.
Medical Payments
Covers immediate medical expenses for injuries under your business’s purview, helping to mitigate larger claims.
Defense Costs
Takes care of legal fees and court costs, shielding your business from the financial strain of lawsuits.
What Is Commercial General Liability Insurance?
Commercial general liability (CGL) insurance is a type of policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.
Commercial general liability insurance is considered comprehensive business insurance, though it does not cover all risks that a business may face.
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FAQs
While not mandated by state law for all businesses, many clients, especially in commercial and government projects, require contractors to have General Liability Insurance.
Several factors, including your business size, location, industry risks, and coverage limits, play a role in determining the cost of your policy.
Absolutely. It’s important to assess your business’s unique risks and operations to ensure your coverage aligns with your specific needs, avoiding overpayment for unnecessary coverage.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
The timeline for obtaining coverage can vary based on your specific business details and the underwriting process. However, in many cases, coverage can be arranged relatively quickly, often within a few days after all necessary information has been submitted.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
Typically, subcontractors are required to have their own General Liability Insurance. It’s important to verify their coverage to ensure it meets the standards of your projects and to reduce your own liability risks.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
A claims-made policy provides coverage for claims made during the policy period, regardless of when the incident occurred. An occurrence policy covers incidents that happen during the policy period, no matter when the claim is filed. The type of policy you choose can affect how and when you’re covered.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
General Liability Insurance typically does not cover cyber threats. Cyber Liability Insurance is a separate policy designed to protect businesses from digital risks like data breaches and cyberattacks.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
If a claim exceeds your policy’s limits, you would be responsible for paying the difference out-of-pocket. It’s crucial to choose appropriate coverage limits based on your business’s risk exposure to minimize this risk.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
Some General Liability policies may have a deductible, which is the amount you’re responsible for paying out-of-pocket before your insurer pays for a claim. The presence and amount of a deductible can vary by policy.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
General Liability Insurance covers bodily injury, property damage, and some forms of personal injury. Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, protects against claims of professional negligence, mistakes, or failure to deliver services as promised.
Professional Liability insurance, also known as Errors and Omissions (E&O) coverage, is designed to protect your business against claims that professional advice or services you provided caused a customer financial harm due to actual or alleged mistakes or a failure to perform a service.
Yes, in many cases, you can adjust your coverage limits during your policy period. It’s advisable to review your coverage regularly and consult with your insurance provider to ensure your policy continues to meet your business’s needs.
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