General Liability insurance for your Business
The general liability insurance (General Liability) protects your business if a third party suffers bodily injury or materials related to its operations, and makes you responsible. Covers your legal defense costs and any damages resulting financial; without this support, a single claim may threaten everything that he has worked to build. In All Insurance, quote your coverage without charge, and in the language that you prefer.
What is the General Liability Insurance and what does it cover?
The general liability insurance is a commercial policy that protects a company against any financial claims arising from bodily injury to third parties, damage to property or damages in connection with the advertising that occur in connection with the operations of the business.
When a customer slips inside of your local, when a member of his team accidentally damages the property of a customer while working, or when someone claims that its advertisement damaged his reputation, this policy absorbs the cost of the legal process and, if applicable, to the payment of the compensation — up to the limits of the coverage selected.
Featured: This insurance does not cover injuries of their own employees (that corresponds to the Workers ' Compensation), or damage to the assets of a business (that corresponds to the coverage of business property). Applies only to claims filed by third parties.
What situations will this policy cover?
This insurance responds to four major categories of claims:
Bodily injury to Third parties: When a customer, supplier or visitor suffers physical damage in your local or as a direct result of your business activity. Covers medical expenses and legal defense.
Material damage to the Property of Third parties: When you or your equipment damaged accidentally belongings of a client or other party while they are providing a service. Covers the repair or replacement of the good.
Legal Defense: Before any claim is covered, the insurer assumes the cost of legal representation and court proceedings, even if it is shown that the claim has no basis.
Damages Advertising: When a notice or communication to the business generates a claim for defamation, slander, libel, abuse, misuse, image or copyright infringement.
What businesses need General Liability?
Any business that serves customers, work in property or provide services that benefit from this coverage. The profiles that are more common include:
Restaurants, bars, cafes and business of food.
Retail stores (Retail), boutiques and general trade.
Beauty salons, barber shops and spas.
Construction contractors, plumbers, electricians, and remodelers.
Cleaning companies and property maintenance.
Medical and dental offices, private.
Business of transportation and delivery.
Any business to hire a commercial premises (it is a common requirement of the landlords).
Reference table Coverage Limits
Rental contracts commercial usually require minimum levels of coverage. This table shows the limits more frequently requested by landlords in the market:
| Level of Coverage | Per Incident | Annual Aggregate | General Profile |
|---|---|---|---|
| Standard | $1,000,000 | $2,000,000 | Small business; meets most of the rental contracts. |
| Average Level | $2,000,000 | $4,000,000 | Business with high traffic of people or corporate contracts. |
| Extended | According to need | According to need | High-risk industries or customers with specific requirements. |
What is a Policy for Business Owners (BOP)?
A BOP (Business Owners Policy) combines general liability coverage and business property in a single policy. Designed for small and medium-sized companies, typically offer a combined price lower than purchasing each policy separately. It is ideal when your business has both exposure to third party claims as physical assets to protect.
How to get your insurance: step-by-Step
Tell us about your business: Contact us by phone, WhatsApp or form. Let us know what type of business you have, location, number of employees and if your rental agreement requires specific limits.
Evaluate your risk profile: We identify the insurance available for your industry and determine what levels of coverage are aligned with their operations.
We explain your options: We present the plans with your insurance coverages, limits and costs, clear. We will answer your questions without the pressure of commitment right away.
We issue your policy: Once you have selected the plan, we have completed the process. In most cases, your Certificate of Insurance (COI) —the document required by the owners of local customers and clients— can be made available on the same day.
Frequently Asked Questions
Can my landlord to push myself this insurance to rent a local?
Yes. The majority of contracts for commercial rental include a clause that requires the tenant to maintain a general liability insurance active, naming the owner of the local as "additional insured". The minimum required tend to vary according to the contract.
How much is general liability insurance?
The price depends on your industry, business size, location, number of employees and the limits of protection chosen. Advisor All Insurance check out their profile at no charge to give you real options tailored to your budget.
What this policy covers all of my employees if they are injured?
No. For work-related injuries of employees, there is the Workers Compensation, which is mandatory in most cases. General liability is exclusively designed to cover claims filed by third parties external to the business.
Can I get a certificate of insurance in the same day?
In most cases, yes. Once you have activated the policy, certificate of insurance (COI) can be issued on the same day so that you can close out their contracts or to move to its new location without unnecessary delay.
Are you ready to protect your business?
A claim to the unexpected should not be put at risk what has taken years to build. Our consultants review your business without the cost and help you find the coverage that fits your industry and budget.
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