General Liability Insurance
Regardless of the size of your business, having General Liability Insurance is critical.
This policy covers financial liability associated with running any type of business.
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What is General Liability Insurance?
General Liability Insurance, also known as Commercial General Liability Insurance (CGL) is the most basic type of business insurance that companies of any size should consider.
If business insurance was a birthday party, the General Liability Insurance policy would be the cake.
What is Not Covered?
Other policies may be required in addition to a commercial general liability insurance. Remember that CGL is the most basic insurance type and your specific business type and circumstances may call for specific extra coverage.
When getting a small business Commercial Liability Insurance policy, make sure to learn about the following extra coverage that may not included by default:
- Cyber liability insurance
- Professional liability insurance
- Errors & Omissions Insurance
- Business interruption insurance
- Commercial property insurance
- Equipment breakdown insurance
In almost all circumstances, general business liability insurance does not cover damages or injuries resulting from intentional acts.
Who needs General Liability Insurance?
Almost every business needs this type of insurance. If any of the following statements are true, you should consider getting General Liability insurance
- You have clients or suppliers visiting your office or home
- Your employees visit clients or suppliers
- You sell a physical product
- You rent an office or commercial space
What is the Cost of General Liability Insurance?
The cost of a Commercial General Liability policy varies according to factors such as:
- Level of experience in the industry
- Number of employees
The best way to find the optimal policy at a competitive rate is to shop around.
It’s quick and easy!
If Commercial Liability Insurance is what you need,
request a free quote now >
Which Businesses Require General Liability Insurance?
Regardless of the type of business you own, general liability insurance is critical for almost any business including:
Aerial and ground based Photographers / Videographers
Architects & Engineers
Building Designers (Bill 124)
Directors and Officers
Energy Audits & Assessments
Foreign Legal Consultants
Human Resources (HR) Consultant
Information Technology & Computer Consultants
Lawyer’s Excess Professional Liability
Medical Professionals (Malpractice Insurance)
Medical Students (Malpractice Insurance)
Occupational Health and Safety Consultants
Quality Control Consultants
Publishers and Printers
Recruitment and Employment Agency
Solar & Wind Farm Engineers & Consultants
Travel Agents, Tour operators
Excess & Umbrella Liability
Common scenarios where General Liability Insurance is useful:
The sign that hangs above your retail store entrance was not installed correctly and has fallen onto a pedestrian as they passed on the sidewalk. The accident has left the pedestrian with serious injuries and she sues.
You are working on a client’s home when you accidentally drop a hammer on to their beautiful hardwood floors. This results in $10,000 worth of damage in order to replace their floors.
Your clothing product is built out of a material that causes skin allergy to the customer. Product liability insurance will cover your costs in such a scenario.
Frequently Asked Questions about
General Liability Insurance
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Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.
The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.
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