Appreciation for our claims process
Simple and smooth
The claim process was simple and smooth. Your staff was very helpful!!
Secure Cloud Systems
Colorado Springs, CO
Quick and supportive
Claim was easy to resolve. Communication quick and supportive.
Daria Kielek Photography
Dumont, NJ
Great communication
My claim was handled quickly and with great communication.
Jennifer Lloyd
Trumansburg, NY
What is General Liability Insurance?
General Liability (GL) insurance, sometimes called small business liability insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.
If someone comes to your place of business and is injured, a general liability policy could cover their medical costs. If someone else’s property is damaged and you are found to be responsible, the repair or replacement cost could be covered. And if someone’s reputation is damaged by something you or an employee said or wrote about them, the associated costs could be covered.
Why do I need General Liability Insurance?
As a small business owner, you may be legally responsible if another person gets hurt or if their property is damaged while at your business or because of something you did. Make sure your business is properly protected against risks.
You should consider general liability insurance coverage if you or your employees:
Interact with clients face to face
If you visit a client’s place of work, or clients visit yours, there is always the possibility someone could get hurt and require medical treatment. General liability insurance could cover their medical costs.
Have access to customers’ property
If a customer’s property is damaged at your location or at a job site, general liability insurance could cover the cost to repair or replace it.
Use advertising to market your company
If you promote your company and accidentally use wording that is under copyright or trademark, business liability insurance could cover you if a claim occurs.
Require coverage in order to be considered for a project
If you propose or bid on certain contracts, liability insurance could be a condition of the contract award. Hiscox will provide you with a certificate of insurance (COI) to show that you meet the requirements.
Other Insurance Products
we may recommend for you.
Professional liability (or E&O) insurance protects your business against claims of negligence, even if you haven't made a mistake.
Professional liability (or E&O) insurance protects your business against claims of negligence, even if you haven't made a mistake.
A business owner's policy (BOP) includes general liability insurance plus coverage for your business property.
Cyber security insurance protects businesses against computer or technology related losses, such as a data breach, a phishing or ransomware cyber attack.
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