Your own risk, managed.
You don’t need us to explain general liability insurance to you. Or why you might need it. You’re in the business.
You know accidents happen. People do and say bad things. And sometimes, it’s not you; it’s them.
No-one knows the power of a policy better than you. So give your business the same protection you offer your clients.
General liability coverage takes care of medical expenses, your legal defense, and compensation, too, if you’re liable. Even if a claim is groundless.
What does your general liability insurance cover?
So long as the claim’s filed in the United States, its territories, or Canada, general liability insurance covers claims for:
- Bodily injury – a slip, trip, or fall can cost thousands in medical bills, even for injuries that seem to be minor.
- Third party property damage – repairs, replacement, the costs can be huge. Your policy covers damage caused by you, and your full-time, or temporary, staff. And not just for damage to physical property, either. It covers electronic data, too.
- Personal injury – He said. She said. Whether anyone said anything at all, claims of slander or libel can seriously damage your reputation. And the defense costs can seriously dent your bank balance.
- Advertising injury – whether it was your idea, or theirs, arguing it out in court will be expensive.
When a claim’s filed against your business, there are often hidden costs involved. Your general liability policy takes care of these, too. Including up to $250 a day for loss of earnings.
Claims take their toll. On your time, as well as your money. Having the right insurance means firm’s finances are protected. So you can get on with running it.
How much does general liability insurance cost?
Our general liability policies start at around $30 a month. But as you know, the cost of your coverage will be affected by things like your business’s size, its location, and the limits and deductibles you select.
Whatever the cost, there’s a package to suit your particular business needs. And payment options, too, so you can spread the cost to fit your budget.
But as for what level of cover you want, you'll need to decide what's best for you.
It's always best to over-estimate. Lawyers' fees, compensation and court costs can go through the roof. So, imagine the worst-case scenario. Then pick a figure you can realistically afford.
What other policies do insurance agents need?
General liability insurance doesn’t cover the equipment you use to run your business. You need to add business personal property coverage (BPP) for that. It protects things like your cell and laptop when you’re out and about. And office equipment from your furniture to your potted plants – even if your office is at home.
General liability doesn’t cover professional services you offer. And as a professional, you can find yourself facing a negligence claim, even if you’re not at fault.
If a client claims you made a mistake, or left something out, and it’s cost them, errors and omissions insurance (E&O) can pay your legal defense fees, plus compensation, if you’re liable.
It’s also known as professional liability insurance. But you already knew that, right?
If you store your clients’ sensitive data digitally, have a website, or use email, you’re a target for hackers. Cyber insurance can’t stop you being hacked. But it can take care of the recovery costs. Keeping you in business. And your reputation intact.
Most states require you to have this coverage the minute you hire your first employee. If you don’t, you’ll face penalties. But workers’ comp insurance is worth having anyway. It protects your business from the cost of workplace injuries to your staff. Which can be crippling.
D&O coverage protects you, your business, and your personal assets, from a wrongdoing claim. Even if it’s groundless. Because being on the board shouldn’t mean putting your savings and home at risk.
Why should I buy my insurance from you?
Good question. Glad you asked.
The simple answer is: because we know what we’re doing. Small business insurance is all we do. So we know what you need, even if you don’t.
You know buying insurance can be a complicated. You’ve got better things to do with your time than spend hours trying to find a policy to fit your exact needs. Like run your business.
So let us do the work for you. We’ll find you the right coverage. Explain why it works for you. And sort it fast, with the minimum of fuss.
But don’t take our word for it. Check out what our customers say about us.
After all, it’s their opinion that really counts.
Read what our customers say about us
I had many things to do to get inspection insurance. Matt guided me through the process making it easy for me. Friendly and prompt and respectful people and service. Thanks
Mr Welch. 06-14-2018
Quick and easy process. Information is clear and upfront.
Insurance Bee's service is great I told them what I needed and it was done no hassle or complication everything was explained to me in terms that i could understand. I highly recommend
Mrs Garcia. 04-16-2018