General Liability 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.

You may ask 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.  This is where protection via General Liability Insurance comes in.

For example consider General Liability Insurance Coverage if you or your employees:

• Interact with clients face to face
  If you visit your client’s place of work, or clients visit your business premises, there is the possibility someone could get hurt and require medical treatment.
  
  Have access to customer’s 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 a copyright or trademark, general liability insurance could cover you if a claim occurs.
  
  Use third-party locations for business related activities
  If someone (other than you or an employee) is injured on a job site where you are responsible, general liability insurance could cover their medical costs.
  
  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.