General Liability Insurance for Small Businesses

Plus coverage for your portables

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Protection ins and outs

If you’re starting a business, you must be sick and tired of hearing you need general liability insurance.

But why? What is it? How does it protect your business?

And BPP insurance? What’s that when it’s at home?

Don’t worry, we’ve got it covered here.

And we can get you covered, too.

  • What is general liability insurance?

    If you have visitors to your office or you go to clients' sites, you need general liability insurance.

    It can cover claims made against your business if a person's injured or their property's damaged.

    Imagine someone trips over a computer cable in your office. Or, you spill hot coffee all over your client’s laptop.

    Sure, accidents happen. But what if you’re at fault? You'll have to pay, that’s what.

    Settlements can reach six figures. And the legal costs of a claim, plus damages, can be enough to put you out of business.

    General liability insurance can cover your legal defense and compensation costs.

    It means your business doesn't slip up, even if someone else does.

  • Who is general liability insurance for?

    You need general liability insurance if you, or your employees:

    • Visit a client's place of work, or clients visit yours
    • Have access to a client's equipment (e.g. a server)
    • Use third-party locations for any business-related activities
  • What is business personal property insurance?

    Business personal property insurance (BPP for short) protects the moveable things in your office – from your furniture to your potted plants. Even if you work from home.

    It can also cover mobile devices, tools and the equipment you take with you when you’re working on-site or visiting clients.

  • Why do I need BPP insurance?

    If you’re taking out general liability insurance, you can add business personal property coverage to your policy.

    Think about it. All these things are essential to running your business. Ok, maybe not the potted plants. But stuff like cells, laptops, tablets – they mean you’re ‘in the office’ even when you’re not.

    When you’re out and about, there’s more of a risk these essentials can get lost, stolen or damaged. And then what? You could lose business, that’s what.

    The same goes for the tools of your trade. If they get lost or stolen, you’ll spend time and money trying to replace them. If jobs then get held up, clients could get fed up.

    If you’ve got BPP insurance, you might lose your stuff, but you won’t lose business.

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