General Liability Insurance
General liability coverage is a wide coverage that protects your business against day to day risks.
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General Liability Protection for Your Business Risks
Slip & Fall Accidents
Covers your company in case one of your customers is hurt on your premises and makes a claim
Property Damage
Pays on the claim in case your business accidentally causes to someone else’s property
Legal Defense Costs
Cover attorney fees, court expenses and payment of settlements in case your business is sued
Bodily Injury Liability
Helps cover short-term medical expenses if someone is injured on your premises
Reputational Harm
Covers claims of libel, slander, or reputational harm caused by your advertising
Copyright Liability
Protects your business against accidental copyright infringement in your advertising
What is General Liability Insurance
One of the fundamental policies is the general liability which cushions your business against the broad spectrum of general risks, including bodily injury, claims of property damage or personal injuries. Without it, a single accident or even a lawsuit is a fortune. This cover ensures that your company can face up the unexpected claims and survive.
Why Do You Need General Liability Insurance?
Meet Contract Requirements
Most clients want evidence of general liability coverage, before they transact business with you
Protect Your Finances
Coverage shields your business against huge out of pocket claims and lawsuits
Peace of Mind
Focus on growing your business knowing you're covered for daily risks that can arise
Who Needs General Liability Insurance
How much does General Liability Insurance cost?
General liability insurance is founded on various factors including industry, coverage limits and size. Small organizations can at times secure low priced protection which would be appropriate.
Cost influences include:
Nature of business and level of risk
Revenue and payroll size/year
Deductibles and limits of coverage
Where and how many employees
FAQs about General Liability Insurance
What is general liability insurance?
Injuries and property damage by your business, advertising injury (slander, copyright infringement) and damage or harm caused by the insured entity are examples of the most common types of common business risks covered by general liability insurance. It also aids in the defense cost of lawsuits, medical and settlement costs accrued in such suits.
Is General Liability insurance legally required?
General liability insurance is not necessarily a legal requirement, though, the majority of landlords, lenders, and clients would prefer you to have evidence of such insurance before they conduct business with you. Some industries or state regulations may also require it. Even in situations where it is not necessary, coverage is a good idea because it assists you to protect your business against unexpected financial losses.
What would be the coverage of my business?
The coverage will also be determined based on your business type, industry, size and degree of business risk. Some of these small businesses choose at least 1 million events at a time and 2 million in total. Higher limits or umbrella insurance may need to offer more protection from construction companies, to contractors or businesses that are more risky.
Are employees covered by the general liability insurance?
The coverage under general liability insurance safeguards against third party actions such as bodily injuries, property damage and litigation costs. Workers compensation insurance or policy of business liability insurance by a business owner is needed to cover employee injuries.
How quickly can I get coverage?
Business owners can often get a general liability insurance policy within 24–48 hours. Commercial insurance cost depends on business activities, business property, and location, but most insurance agents provide fast business insurance coverage.
What is the distinction between professional and general liability?
Business general liability insurance covers property damages, customers injuries and claims that are expensive. Professional liability insurance helps to cover professional errors, litigation costs or in case a customer sues the business owner which provides the small business owner with the needed insurance.
Is it possible to insure home-based businesses with general liability insurance?
Yes, small and medium-sized businesses are able to buy general liability insurance to cover third party claims. A client may sue to get compensation on an injury or damage to property even when you are working at home. These risks are normally not covered in the normal homeowners insurance and therefore it is important to have separate business insurance.
How do I get General Liability Insurance?
We believe in providing dependable general liability insurance that helps protect your business from everyday risks. Our promise is simple: clear guidance, dependable coverage, and support you can rely on. Here’s how to get started:
Explain your business activities: Share what your business does, where you operate, and how customers interact with you
Review liability coverage options: We’ll recommend general liability limits and options based on your risk and industry
Get covered with confidence: Once your policy is in place, you’re protected against common liability claims
At Ravine Group Insurance Services, we’re more than a policy provider – we’re your partner in protecting your business from liability claims.
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