General Liability Insurance
For some businesses, purchasing a full business owner’s policy may not be the best choice. This is because a business owner's policy often includes insurance coverage for a business’s land and buildings or business property. If your business does not own any land or buildings, you may not need the excess coverage involved in a business owner’s policy. However, you still need coverage to protect your business in the event that something takes place when you are on the job. In such a case, general liability insurance is the type of coverage you need.
What is General Liability Insurance?
General liability insurance covers your liability that can arise from the normal operations of your business. If an employee acts negligently and someone is harmed as a result, general liability insurance will cover you.
Likewise, if property damage comes about as a result of the operation of your business, general liability insurance can handle it. General liability insurance is a type of catchall insurance policy that protects you from liability for personal injury or property damage which is caused as a result of business operations.
Why Would You Need General Liability Insurance?
You need general liability insurance because you do not want to be in the position of personally covering the harm or damage that can result from your business operations. Even a small accident can end up costing tens of thousands of dollars in expenses, and a large accident could easily bankrupt you. For this reason, general liability insurance is a must-have for small and large businesses alike.
Let Highmark Insurance Help You with Your General Liability Insurance Needs.
At Highmark Insurance, we are experts in identifying potential risks and key factors in your insurance needs. We will be happy to spend some time with you, reviewing your exposure and recommending the best insurance product to fit your needs.