Commercial General Liability Insurance
Commercial Liability Insurance

Commercial General Liability Insurance

Commercial general liability (GL) insurance is one of the most important and basic types of business insurance that protects you from many types of claims, including personal injury, bodily injury and property damage claims. Any business can face a lawsuit at any time. Make sure you are covered!

What is General Liability Insurance?

Business liability insurance protects your business from many types of claims such as property damage, bodily injury and personal injury that can arise. General liability insurance, or GL coverage, is usually combined with property insurance in a Business Owner's Policy (BOP), but it can also be purchased as a standalone policy.

Business Liability Insurance

A general liability policy can avoid major financial losses if your business is sued or held responsible for damage or bodily injury. A policy can cover:

  • Medical expenses
  • Attorney’s fees and settlements
  • Reimbursements
  • Bodily injury
  • Property damage
  • Personal injury
  • Premises liability
  • Products and Completed Operations
  • Fire legal liability
  • Casualty coverage
Business Insurance

Do You Need Commercial GL Coverage?

General liability coverage is one of the most important forms of business insurance because it protects you against third party claims that can potentially force you to close your doors otherwise. Even a frivolous lawsuit can cost tens or hundreds of thousands of dollars to defend. Unless you have this type of money to simply throw away, you cannot afford to operate a business without liability coverage.

GL Insurance

GL insurance is especially important if you or your employees:

  • Visit a client's place of work or home, or a client visits your location
  • Have access to a client's equipment or property, such as a sever or home
  • Write or speak about a client's business
  • Use third-party locations for business activities
  • Are required to have general liability coverage to enter into a contract

There are also specialized types of general liability coverage such as Garage Keepers Liability coverage and Employee Practices coverage to protect your business against claims that an employee's rights have been violated. Other specialty forms of commercial liability include Foreign Liability and Liquor Liability coverage.

Commercial General Liability Insurance

Request a Free GL Insurance Quote

Without liability coverage, your business is at risk every day that an accident or incident will lead to a lawsuit or claim that can potentially cost hundreds of thousands of dollars. No matter how well you run your business or look after your customers and employees, millions of small businesses are sued every year and it can happen to your business, too. The average annual premium for liability insurance is just $750 to $2,000, depending on your needs and type of business. This is certainly more affordable than the thousands to millions it could cost to fight your case in court.

Protect your investment and the future of your business; request a free business general liability insurance quote from Pipeline Insurance today to get the coverage you need at a price you can afford.

Request a Free Quote Today!