General Liability Insurance
Your specialty is our specialty.
Reduce your risk with the right coverage.
As a business owner, you face a double risk that someone will injure themselves on your property or that you or your employees will damage the property that belongs to others. When incidents occur, paying for the damage may only be the start of your problems if you are sued by the other party, who may request compensatory damages for monetary and nonmonetary losses and punitive damages. A General liability insurance policy will protect you against these risks.
If you are a small or mid-sized business, you may purchase this type of general commercial business liability insurance as part of a business owners policy (BOP) that bundles it with your property insurance. To make sure that you have enough liability coverage, your agent will perform a thorough risk analysis. In our litigious society, lawsuits can devastate you and your business.
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What risks does a general liability policy protect you against?
If you choose to purchase separate liability insurance for small businesses rather than a BOP, your policy will cover you for these risks:
- Medical payments for the injured party.
- Property damages to someone else’s property.
- Your legal defense in case of a lawsuit over physical and bodily damage and for libel, slander, negligence, advertising misprints, copywriting infringement and more.
General liability insurance is considered a general type of small business insurance. Depending on your business you may need other specific types of coverage, such as:
- Professional liability insurance
- Errors and omissions
- Cyber liability and data breach
- Employment practices liability
- Product liability insurance
- Workers compensation
- Umbrella coverage
How to get the general liability insurance quote you need?
Will a general business liability policy meet the specific risks you face in your business? Will the coverage you select to protect you against lawsuits be enough? Will an unexpected risk devastate your business? If you have these questions, a consultation with your dedicated specialist at Palm Desert Insurance Agency will yield you quotes on the affordable, targeted protection you need.
Just call us at (760) 341-2345 for a free personal consultation to discuss your business liability insurance needs.
73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260