When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client).
It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance (E&O) can help to protect your business from that specific type of risk.
Your business needs general liability insurance if you ever meet clients (at your business or theirs), or have any physical access to their equipment. Additionally, general liability insurance is a requirement before some businesses will sign a contract with you.
General liability insurance is a common necessity for most businesses. We can help you to determine a policy that works for your unique business.
Let’s discuss your general liability insurance.
One of our insurance advisors will reach out to you to review your information and present you with the appropriate general liability insurance solution. There’s no obligation, just good-old-fashioned advice.
”We began working with RJL Insurance for our liability insurance as well as the Group Life Insurance program for our officers. I was impressed that they were able to save us a significant amount of money and surprised by the ease of the enrollment process.Sgt. Dan HilsPresident of SES, Inc.