General Liability Insurance forms the foundation of a Business Owner’s Policy (BOP), providing essential protection against the unexpected accidents and claims every business faces. It covers your company if it’s held legally responsible for bodily injury, property damage, or personal and advertising injury arising from daily operations. Whether it’s a customer slipping on a wet floor or a lawsuit over an alleged advertising mistake, this coverage helps safeguard your financial stability and reputation.
Instead of paying costly legal fees or settlements out of pocket, your General Liability Coverage handles those expenses—so you can stay focused on running your business. This protection also extends to medical payments, defense costs, and judgments, offering peace of mind knowing that one incident won’t derail your progress.
For small and mid-sized businesses alike, liability insurance under a BOP provides comprehensive, affordable coverage that meets most contractual and lease requirements. It’s the safety net that keeps your business compliant, credible, and protected against real-world risks.
We help you identify potential exposures in your daily operations and build liability protection that aligns with your industry and scale.
In the event of a lawsuit, our policies provide access to experienced legal counsel and cover associated defense costs from start to finish.
Beyond paying claims, we help you respond effectively—from initial reporting to post-incident guidance—ensuring that your business stays operational and compliant through every step of the process.
Our specialists do more than write policies—they help you prevent claims before they happen through proactive risk assessment and safety guidance.
It protects your business from claims involving third-party bodily injury, property damage, and personal or advertising injury, including legal defense costs.
Not in every case, but most landlords, clients, and contractors require proof of coverage before doing business with you.
It depends on your risk profile and industry standards. Our team can help determine coverage limits that align with your exposure.
Employee injuries, professional mistakes, and auto-related incidents are excluded; these need separate policies such as Workers’ Comp or Commercial Auto.
Yes. Common add-ons include Cyber Liability, Employment Practices Liability, or Hired & Non-Owned Auto insurance for additional protection.
Yes—Products and Completed Operations coverage, often built into your BOP, safeguards against claims linked to goods you sell or services you perform.
Because combining General Liability with Property and Business Income coverage creates a single, cost-effective policy that covers multiple risks efficiently.
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