BUSINESS COVERAGE, WITH A PERSONAL TOUCH
General liability. Everyday questions, clearer answers.
Working with customers and other people’s property brings responsibility. Explore how general liability fits into a conversation about your business risks.
Talk with LindaWhat does general liability address?
General liability insurance may respond to certain third-party bodily injury, property damage, and personal or advertising injury claims. A customer injured at your premises or damage to someone else’s property during your work are situations to discuss.
Whether a claim is covered depends on the policy and the facts. Ask about limits, exclusions, and how defense costs are handled, rather than relying on the coverage name alone.
Look at the gaps as well as the coverage.
General liability is not a complete insurance program. Employee injuries, professional mistakes, business vehicles, and damage to your own property often need different coverages.
Tell Linda about your services or products, customer visits, locations, and work performed away from your premises. Mention lease or client insurance requirements and existing coverage. For the first inquiry, a short overview is enough; arrange a separate way to review sensitive documents.
A LITTLE CLARITY
Questions worth asking.
Is this the same as professional liability?
No. Professional liability addresses certain claims about professional errors or omissions. Your operations may raise questions about both types of coverage.
How much coverage should I discuss?
Bring your business activities, contract requirements, and current limits to the conversation. A suitable limit cannot be determined from a general webpage alone.
Will the same options be available in every state?
Not necessarily. Share where your business operates so Linda can discuss availability and policy terms for your situation. No coverage is guaranteed by this overview.
Let’s talk about your business.
Tell Linda what you do and where you operate. A conversation is the first step; submitting an inquiry does not start coverage.