You can’t insure a business without general liability. It’s foundational coverage. So, why is it so confusing?
If you believe your business needs general liability insurance, you’re probably right. If you have no idea what it does, you’re not alone.
Avoid stress and confusion when buying general liability insurance
You’re busy running your business. You don’t have time to deal with complicated paperwork and endless phone calls. A streamlined process for getting general liability insurance will ease your burden. That’s why you need an agency that can handle all the details for you, from comparing quotes to enrollment, so you can focus on what matters most.
You also don’t want to pay more than you need to for general liability insurance. Nor do you want to skimp on coverage and risk losing everything.
What Our Clients Are Saying
“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”
Lizzy Martin
“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”
Erin Wisneski
Education Station
Learn how to choose the right coverage for your needs, how to save money on your premiums, and how to make the most of your benefits. Whether you’re a new or existing client, you’ll find valuable information and tips that can help you protect yourself and your assets.
FAQ
Common Questions and Answers About Your General Liability Insurance Policy Options
Will general liability insurance cover my business possessions (like office equipment or tools)?
No. A general liability policy only covers your business for things like unintentional wrongdoing. It will insure damages to the property of others should your business be liable for the damage. For your stuff, you'll need a Business Owners Policy or a Commercial Property Policy. We can go over the options to insure your business possessions.
Is one million dollars the minimum or default amount, or can I get less (or more)?
It is typical for $1,000,000 to be the starting point for most quotes. But, really, it’s what you’re comfortable with. Most carriers offer less and more. They often go as low as $100,000 or as high as $2,000,000 per occurrence.
How much is General Liability Insurance?
The cost of general liability insurance varies significantly depending on what type of work you do, your annual revenue, and number of employees. The least amount you can expect to pay for this insurance is about $400/yr, which applies to very low-risk businesses with little revenue. You should plan on spending at least $800/yr. for a typical policy.
General liability insurance can help you achieve your business goals
You have a vision for your business. You want to grow, serve your customers, and make a difference. But you also face risks every day. From accidents to lawsuits, you never know what could happen.
That’s why you need general liability insurance. It can protect you from
- financial losses,
- legal fees, and
- reputational damage.
As a business owner, you know how important it is to protect yourself from legal liability. But you also know how stressful and tedious it can be to find the right insurance policy. That’s why you need a partner who can make it easy and affordable for you.