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The most essential business insurance, every business can benefit from general liability insurance.
General liability insurance (GL), sometimes referred to as business liability insurance, is coverage that can protect your business from a variety of claims including bodily injury, property damage, personal injury and other mishaps that can arise from your business operations.
General liability insurance is often packaged with commercial property insurance in a Business Owners Policy (BOP), but it's also available mono-line to contractors and other specialty businesses. As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood. Just imagine how devastating an accident that resulted in a lawsuit could be to the bottom line. Your business may not be able to survive. A great way to protect against these types of unfortunate acts is to make sure you have liability coverage that matches your level of risk. Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.
If you're a contractor, you might only want general liability - not a full package or business owner's policy. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you're still exposed to liability risks in the course and scope of your work. You might be eligible to get business liability insurance, without the extra coverages included in a BOP, when you buy your liability insurance mono-line. We offer general liability, as well as Blanket Additional Insured Coverage to contractors who qualify. Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.
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