Are you wondering how to get general liability insurance? If so, we can help. We’re an insurance company that’s helped small business owners get the coverage they need for over 200 years. Get a general liability quote today and learn how we can help.
isn’t usually required by law, but it’s important to have so you’re not stuck paying the cost of claims for bodily injury or property damage filed against your business. Without it, you’ll have to pay the entire expense out of pocket. We can help you learn how to get liability insurance for a small business to help you run a successful company. We can also help you get a certificate of insurance. Many clients and customers require this before they’ll work with you.
Buying small business insurance can be daunting, but we make it easy. We offer a broad array of general liability coverages that you can tailor to meet your business’ needs. Plus, we made our online quoting platform simple to use. In just a few minutes, you can research coverages online, get an insurance quote and buy the protection your business needs.
To help get the liability insurance you need, follow our five-step guide. You’ll learn what information you need before getting a quote, plus tips to help you get the right coverage for your business.
It’s helpful to gather the necessary information before you start the quoting process. If you’re wondering, “What do I need to get liability insurance?” you’re not alone. Some of the information you may need to provide includes:
If you’re asking yourself, “Where can I get liability insurance?” you have a few options. You can work with an insurance agent or directly with an insurance company. Most insurers have specialists that can help you get the right coverages for your business. They’ll likely ask you questions about your business, such as:
Businesses with more complex risks can work with an insurance company or broker. A broker works with a buyer to find the right types of coverage for their needs. They also suggest limits for policies and which insurer to buy from. If your company buys from a broker, you’ll also pay for their services.
A business insurance plan doesn’t include the same coverages for every company. That’s because each business has unique needs.
It’s not uncommon for two businesses to have several similar key coverages, but others that differ and address specific risks. For example, your business and a nearby company may both have:
And because your business provides a professional service to customers, you may need professional liability insurance, also known as errors and omissions insurance. You also might need to consider getting a commercial auto insurance policy if you or your employees use your cars for business.
If you need advice on how you can help protect your business from the different risks it faces, we can help. Our specialists are available to talk with you about the insurance options you can get and how you can tailor your coverage to meet your business’ specific needs.
There are several variables to consider when you’re choosing the right general liability policy for your business. Cost is important and different factors can affect how much you’ll pay for insurance, such as:
Be sure not to only focus on cost, because picking an insurance quote based on a low price may not give your business enough coverage. That’s why it’s important to go through each quote and review the coverage amounts and limits so you don’t put your business at financial risk. For example, if you have a significant liability claim and it exceeds your policy limit, your business will have to pay the difference out of pocket.
It’s also a good idea to check each insurance company’s claims rating. It’s important you trust them and can have a good experience. The last thing you want when you’re dealing with a small business emergency is to be put on hold for hours or deal with bad customer service. Make sure the insurer you choose has excellent customer service and claims service experience ratings.
Liability claims aren’t as uncommon as you may think. Unexpected injuries or damage can occur frequently. In fact, falls are one of the top three leading causes of preventable injury-related deaths. 1
Accidents that result in bodily injuries can be very expensive. The average cost for this kind of claim is $30,000. 2 Not many small businesses can manage a cost like this without it significantly impacting their business.
With the right general liability policy and a certificate of liability insurance proving you have coverage, you can be confident knowing you’ve taken the necessary steps to protect your business from these types of claims.
