General Liability Insurance

Commercial general liability (CGL) insurance serves as the foundation of business liability protection. It covers many lawsuits seeking damages for unintended harm arising out of business activities, such as injuries to individuals and damages to property that the business owner becomes legally liable for.

While we recommend that you obtain the licenses and ID numbers standard to your state and field of work, it is still possible to gain insurance coverage without a business license. Ultimately, insurance companies manage risks, not licenses.

Both forms of insurance are designed to protect a business from liabilities, but they cover different risks.
General liability covers damages to third-party persons or property. Professional liability covers financial
damages resulting from professional services or advice.

This depends on your industry and the state where you operate your business. Sometimes, commercial general liability is not required, but for higher hazard industries like home building, general liability insurance may be a legal requirement - we recommend you consult with a local attorney in your state to determine if insurance is required for your business. However, small businesses struggle most with covering the expensive costs of liability claims, so we strongly recommend that you obtain a general liability policy.

Insurance policies are tailored to fit your industry, company size, location, specific risks of operations, coverages you choose, the deductible you select, and many other factors. Your Independent Agent will provide options and advice to help you with business insurance needs. You may request a free quote and we will ask an Independent Agent in your area to contact you.

Theft protection typically falls under a property insurance policy, not general liability. Remember, general liability is concerned with damages you may become responsible for to others and not property you own.