Best General Liability Business Insurance

General liability insurance helps pay legal fees and settlement costs if your business is involved in:

bodily injury

The commercial liability policy comes into play if a customer or other third party is injured on your commercial property or as a result of your operations. For example, a general liability policy can help with medical payments if a client slips and falls.

property damage

If you or one of your employees damages someone else’s property while doing business, general liability insurance can help cover the costs. Let’s say you have a moving business and one of your employees accidentally drops an expensive home entertainment system; A general liability policy can help with costs.

Damage to reputation and false advertising

Your policy can help cover false advertising claims as well as non-physical injury incidents such as libel, slander, or slander.

Commercial liability insurance generally does not cover the following events:

• Injuries or damage related to operating a vehicle (covered under commercial automobile policy)
• Employee injuries and claims (covered by workers’ compensation insurance)
• Professional liability for improper advice or errors in the provision of professional services; for example, you are an architect and you are designing a building that does not comply with local codes, or you are an accountant whose client has been fined for a mistake you made (covered if you have professional liability insurance)
• Sexual harassment, discrimination and wrongful termination claims (covered if you have employment practices liability insurance)

General liability insurance can protect your business from expensive claims, but it’s probably not the only type of insurance your small business needs. If you have questions about what insurance your business should have, it’s worth taking the time to talk to an agent.