General Liability

Idaho General Liability Insurance

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Insurance Coverage For You & Your Employees

Commercial General Liability Coverage

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What Is General Liability Insurance Coverage

Protection & Affordability

GLI or General Liability Insurance can be called or referenced Business Liability or Commercial General Liability. This type of policy helps protect your company or business from claims that may arise out of bodily injury and or property damage. This could be damage caused by you or your employees. If you do not have coverage you may be liable to pay for damages out of pocket.

What Does General Liability cover

Typically GLI helps cover the cost to pay claims that your business has caused. This could be property damage claims or bodily injury. The policy can help pay for:

A customer or client’s medical expenses if they slip and fall in your business
Repair costs to fix a wall that your employee accidentally damaged while working at a customer’s home
Legal costs to defend your business in a lawsuit
Judgments and settlements from a customer or client’s lawsuit

General liability insurance can help cover claims of the following:

Bodily injury or property damage that your business causes.
Reputational harm resulting from malicious prosecution, slander, libel, wrongful eviction, violating a person’s privacy and more.
Advertising injuries, such as copyright right infringement from your business’ ads.
Medical costs if your customer or client hurts themselves while visiting your business.
Damage to rented property caused by a covered loss such as fire, lightning or explosion.

Do You Need General Liability Insurance Coverage

The statistics tell us that four out of every ten small business owners are probably likely to have a general "property" "bodily injury" claim sometime in the next 10 years. These types of claims can be from slipping and falling, theft, unexpected accidents.

We believe here at our office, you need to decide if it is worth the risk to operate without coverage. As affordable as the policy is our office can shop the market and find you the best rates.

How Much Does The Insurance Cost

This will depend on a few variables such as:

Location of business
Size of business
Building condition
Years of experience
Coverage Limits
Claims history

Higher risk categories and companies will pay more in premium. Construction companies will pay more than a marketing or insurance company to give you an example.

Call the office today and we can get you a quick quote over for review. We work with the nations best insurance carriers such as Auto Owner, Hartford, Travelers, Nationwide and Progressive.

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Why Do You Need Liability Coverage

You or your business and employees may be representing a client or meeting face to face with clients. You may be working on or with someone else property. You may use a 3rd party location for transacting business. Coverage for when you are advertising your business.

Some of your clients may request that you carry the coverage before they do business with you. You can then present them with a certificate of insurance showing that you have the necessary policy in effect.

General Liability is not necessarily mandated by State Law. It is just good practice to protect your business and assets.

When you work with our office we can help you with making the right decisions for coverage.

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