General Liability Insurance

When you’re running a business, you need the stability of general liability insurance to protect yourself from a broad spectrum of risks. This type of insurance can keep your business running through unexpected events and challenges that could otherwise derail your success. Learn more about this indispensable coverage and how the team at Do Right Insurance can help you find the right policy for you.

What Is General Liability Insurance?

General liability insurance is often referred to as business liability insurance or commercial general liability insurance. No matter what name it falls under, this type of insurance is the foundation for safeguarding businesses of all sizes. It could protect against costly legal claims involving bodily injury, property damage, and property damage that occurs resulting from our operations, products, or services. It can serve as a catch-all for many issues, making it an essential resource for your business.

Types of General Liability Insurance Coverage

General liability insurance isn’t a one-size-fits-all approach and can be customized to meet your needs. Here are some coverage options to consider:.

Bodily Injury and Property Damage

Can you handle mounting legal and medical bills and keep your business running? If someone sustains an injury on your property, general liability insurance can help protect your financial assets. Your general liability insurance could cover related medical expenses, legal fees, and compensation for damage.

Personal and Advertising Injury

Owning a business opens you to legal risks, including something called advertising injury. If you do any advertising, you need the right policy to protect you from the unexpected. General liability insurance offers an additional layer of protection against claims of slander, libel, wrongful eviction, violation of privacy, and copyright infringement related to your advertising.

Medical Payments

If someone gets injured on your property, are you covered? General liability insurance helps cover medical expenses if someone is injured on your business premises, regardless of fault.

Tenant’s Legal Liability

If you rent your office space, warehouse, or other property, you need robust tenant legal liability coverage. If your business somehow causes damage to your property, you can file a claim to help recoup the costs.

Get Coverage Tailored to Your Business Needs

One of the advantages of general liability insurance is its adaptability to various industries and business sizes. Whether you’re a freelancer, a small business owner, or run a large corporation, general liability insurance can be tailored to fit your specific needs. Coverage limits can vary, and additional endorsements or policies can be added for comprehensive protection.

Legal Requirements and Industry Standards

In some cases, having general liability insurance is more than just a precaution; it’s a requirement. Certain professions, contracts, or landlord agreements may mandate carrying this type of coverage. As a result, this type of insurance enhances your business’s credibility with customers, partners, and suppliers and demonstrates your commitment to professionalism and safety.

Choosing the Right General Liability Insurance Policy

Selecting the appropriate general liability coverage policy involves assessing your business’s specific risks, industry standards, and legal requirements. Consulting with the team at Do Right Insurance offers valuable insights into the types of coverage that best suit your business model and potential exposures.

Compliance and Contracts

Some industries are legally required to carry general liability insurance, such as construction. Your business may require certain types of coverage that ensure you can cover specific issues, such as workplace injuries. It’s also wise to ask your insurance agent about Certificates of Insurance (COIs) that may need to be provided to clients, landlords, or partners to verify their coverage and summarize key details and limits.

Work with Our Team

The team at Do Right Insurance is passionate about working with individuals and businesses to find the best possible insurance providers and policies available. Our knowledgeable staff takes a straightforward, transparent approach to securing your general liability insurance.

We know your business is your most valuable asset and are responsible for your employees, clients, and vendors during operations. We offer a unique approach to finding the right policy to find solutions that align with your needs and budget, no matter the provider. We’re here to help you protect your business and can help determine the right coverage and rates to provide the peace of mind you need.