General Liability Insurance Provided By Our Agency
General liability insurance protects you and your business from “general” claims involving bodily injuries and property damage. Almost every business needs general liability insurance.
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A customer trips on a fixture at your business and gets injured.
Premises and operations insurance can help with hospital bills and damages as well as coverage for your business if the customer sues for negligence.
A former client files and wins a lawsuit over work performed by your company.
Products and completed operations insurance can help with the defense costs, in some cases, the legal damages for which you may be responsible.
Data breach coverage
You lose confidential business and customer data when your computer system is hacked.
Cyber liability and data breach coverage can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.
A disgruntled former employee or even an applicant you didn’t hire brings legal action against your company.
Employment Practices Liability can help cover your business entity, directors, and employees if you are accused of wrongful termination, harassment, discrimination, or other employment-related offenses.
Copyright infringement coverage
A copyright infringement can arise from using someone else’s work in your business’ product or ad without their permission.
You should have general liability insurance to prevent such liabilities from affecting your business.
Does your business need General Liability Insurance?
Even if these don’t apply to you, small businesses that work directly with clients and customers usually benefit from commercial general liability insurance, also known as a CGL policy. This insurance policy can financially stabilize your company if a customer or competitor sues you.
Because general liability insurance provides such essential coverage, most small business owners buy the policy right after starting their business.
Already have Home Insurance? Switching is easy
It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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Arnold Smith Insurance
We extend insurance coverages in WA, OR, AZ, ID & MT