Liability Insurance, Business Insurance

General Liability Insurance (also called Commercial Insurance) helps protect your company or professional practice from claims of bodily injury to a customer or damage to a customer’s property resulting from using your product or service. Many General  Liability insurance policies also cover claims of personal injury such as libel or slander and advertising injury claims of misrepresentation of your products or services.

Sometime, General Liability is included as part of a comprehensive Business Owners Insurance  Policy (BOP).

 However, coverage in those instances are typically low and may not offer sufficient protection for your specific risk exposures. General Liability insurance is an essential part of your business insurance portfolio, whether you work from a office, out of your home or in the field. If you are starting a company, it is a good practice to purchase your General Liability coverage before you open for business. If you already have a General Liability policy, you should review it periodically to make sure it is up to date. As your business expands, it’s a wise idea to increase your coverage limits and reduce your exposure to claims


All businesses in today’s litigious society are at risk of a general liability claim, but some businesses face greater risks than others. A few examples include companies that operate heavy machinery, serve food or beverages, make products that are consumed, make toys or exercise equipment, rent property or vehicles, or have drivers or delivery people on the road. But even if you’re a bookkeeper, you could be sued if a client is injured while on your premises. If you’re a contractor and drop a ladder on a client’s car, you could be sued. And if you make any kind of claims in your advertising that you can’t prove, you can be sued. Even if you aren’t at fault, defending yourself against  a suit could mean financial ruin for you and your business. Without adequate General Liability coverage, you could be forced to sell off your personal assets to repay your clients. You would also have to pay for your own defense and any costs associated with a judgment against you. General Liability coverage allows you to continue doing business while claims against you are being settled.