General Liability

General Liability Insurance also referred to as Commercial Liability Insurance, protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property. Whether you are a sole proprietor or a corporation, you can be protected from possible mishaps.

Your business needs to be covered with the right coverages for the right risk. There are different levels of coverages depending on what industry and how your business operates. For example; if your business is a metal fabrication shop, you face different risks than someone who owns a retail clothing store.

Examples of things covered:

Someone trips over a tool or office equipment left out in your store, office, or job site.

Your customer’s property is damaged while you were working on it and it creates a costly repair bill or replacement.

Who might ask for General Liability?

Clients. Whether you’re working on the lawn or building another room for their home. They may require proof of insurance before accepting your services.

Building landlords may have requirements on minimums for a General Liability policy in order for your business to operate in their building.

Shopping Centers would require coverage if you were working as a security company or even just maintaining their landscaping.

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