OWN A BUSINESS OR THINKING ABOUT STARTING ONE? COMMERCIAL INSURANCE

Own a business or thinking about starting one?
Make sure to check with us for your Commercial Auto, Business General Liability and Worker's Comp.
Our Worker's compensation is mainly focused in small businesses that are low risk.
Making sure your business is protected with the right coverage can be the difference between success and failure.

What is Commercial General Liability Insurance?+
General liability insurance protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:
Bodily injury
A client falls over your bag and you are legally liable for the injury. We may cover the subsequent claim and related medical expenses up to your general liability policy's limits of liability.
Property damage and data loss
You spill coffee on a client’s server causing damage and loss of data. We may cover the subsequent claim up to your general liability policy's limits of liability.
Personal injury
One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We may cover the subsequent claim, up to your general liability policy's limits of liability, and pay for an attorney to defend you if necessary.

You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

• Interact with clients face to face - If you visit a client’s place of work, or clients visit yours
• Have access to a client’s equipment - For example, IT professionals should be covered against potential claims with IT business liability insurance
• Represent your client’s business
• Use third-party locations for any business related activities - For example, architects should make sure that they’re covered with architects business liability insurance
• Are required to have general liability insurance before entering into a contract

Commercial General Liability Insurance Frequently Asked Questions*

• How much General Liability Insurance should I buy? This really depends on the size of your business, but many small businesses start with a standard small business policy that covers $1,000,000 to $2,000,000 worth of lawsuit expenses and other costs.
• What happens if I cancel my policy? You are free to cancel your policy, but we don't recommend it. Insurance companies charge more to businesses who start and stop coverage. In the long run, canceling your policy will make your pay more.
• What happens if I need to buy more insurance later? Adding coverage to an existing policy is easy. The process is simple: your insurance company increases the coverage amount and charges you a higher annual premium.
• I need Commercial General Liability Insurance in order to sign a contract. How quickly can I get it? We can get you insured in minutes. After you purchase a policy, we can email you a Certificate of Liability Insurance, which is the formal proof-of-insurance document you need to show when you sign certain contracts or apply for professional licenses.

​+Hiscox
​*Insureon