General Liability Insurance (GL), also referred to as small business liability insurance or commercial liability insurance, offers your business protection against claims brought forth by external parties. These claims can encompass bodily harm, property damage, or personal injury.
For small business proprietors, the potential for legal responsibility arises if harm befalls an individual or their possessions either on your business premises or due to actions you’ve undertaken. It’s imperative to ensure comprehensive protection for your business against potential risks.
1. Engage with clients in person: Whenever there are face-to-face interactions with clients, whether they come to your establishment or vice versa, the risk of injuries necessitating medical attention is present.
2. Handle customer property: In cases where customer property sustains damage within your premises or at a project site, general liability insurance can potentially cover the expenses for repairs or replacements.
3. Employ advertising for business promotion: If your company’s advertising inadvertently infringes on copyrighted or trademarked content, having general liability insurance could offer coverage in the event of a claim.
4. Utilize third-party venues for business operations: If a non-employee sustains injuries at a job site where you bear responsibility, general liability insurance could cater to their medical expenditures.
5. Demand coverage to be eligible for a project: In situations where you submit proposals or bids for specific contracts, the requirement for liability insurance might be stipulated as a condition for securing the contract.
Whether you’re a startup, a growing enterprise, or an established corporation, we have the experience and insight to craft insurance packages that align with your unique needs and risk profile.
Our team of dedicated insurance experts brings a wealth of knowledge and industry expertise to the table. We understand that no two businesses are alike, which is why we take a personalized approach to every client.
Navigating the complex world of business insurance can be challenging, but with First Knight by your side, you can rest easy knowing that your interests are well-protected.