General liability insurance is not designed to protect you from everything, however. For example, general liability does not cover you against claims of negligence, even if it isn’t you or your business’ fault. This is because not every business needs that variety of protection (this coverage can potentially be purchased for an additional premium), so to make it part of the policy would over insure lots of businesses, and make the coverage needlessly expensive. You should consider general liability insurance coverage, also called commercial general liability insurance, if either you or your employees:
Interact with clients face to face: If you make sales calls or visit clients at their place of business, their home or they visit your location.
Work on or at other people’s property: For example contractors working at someone’s home need general liability in order to cover accidental damage to the property.
Have access to equipment that’s not yours: Business liability is ideal for IT professionals, electricians, other repair or technical services.
Represent your client’s business to other companies.
Use third-party locations for any business related activities: Business liability can cover architects, designers, wedding planners, etc.
If you are required to maintain general liability insurance as part of a contract.
Finally, general liability can often be combined with several other coverages (such as property) on a business owners package policy for truly tailored coverage.
Kovalev Insurance specializes in covering professional services, and local businesses like yours. We have everything you need right here, including:
Contact us today for a personalized consultation and see what sets us apart!
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