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Customers come through your doors hoping they’ll end up in their dream home. Not in a nightmare.
But accidents happen. And if someone trips on the stairs, or slips on a floor, it could lead to a claim that’ll see you in court.
Lawsuits are a drain. On your time, as well as your resources.
So make a wise investment. Get your business protected, with general liability insurance.
Then you can get back to making dreams a reality. One home at a time.
Because even if an accident wasn’t your fault, you can still be sued. And lawsuits cost. A lot.
If a case goes to court and gets drawn out, you’re looking at legal bills of 5, maybe even 6 figures. Without insurance, how will you cover that?
Even if a claim is groundless, general liability insurance can pay medical bills, hire you an attorney, and pick up your legal defense costs. It can take care of compensation, too, if it turns out you’re at fault.
So, why do you need general liability insurance? Because you don’t have bottomless cash reserves, you’re not a legal expert and you have a business to run. Simple.
So long as the claim’s filed in the United States, its territories, or Canada, general liability insurance covers claims for:
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.
Our general liability policies start at around $30 a month. But the cost of your coverage will be affected by things like your business’s size, its location, as well as 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.
As for what level of cover you want, you'll need to decide what's best for you.
But 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.
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, professional liability insurance can pay your legal defense fees. Plus compensation, if you’re liable.
It’s also known as errors and omissions insurance, or E&O, for short. But what’s in a name? All you need to know is the policies do the same thing.
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.
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.