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General Liability Insurance to fit your budget & needs

Low Cost General Liability Insurance in AL, FL & GA

What is not covered?

• Your property
• Vehicles and boats
• Personal identifiable information
• Professional services
• Employee injury / workers' compensation
• Intent to injure
• Coverage outside policy period
• Known claims prior to start of policy

Claims Your General Liability Insurance Won’t Cover 
Remember that general liability covers third-party claims.
There are incidents that general liability won’t cover that include:
Professional liability claims: Damages resulting from a professional error in your work or workmanship are covered by errors and omissions (E&O) insurance, not general liability.
Workers’ compensation claims: When employees are injured at work, they are covered by workers’ compensation insurance as required by state law.
Commercial auto claims: When you are in an accident while working, your commercial auto insurance policy covers the liabilities rather than general liability insurance.
Contact our agency for a no-obligation review of your insurance needs. We will help you close the coverage gaps and get the discounts you deserve.

What is Commercial General Liability Insurance?
General liability insurance protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below. 
Why do I need General Liability Insurance?
We understand the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

• Interact with clients face to face - If you visit a client’s place of work, or clients visit yours
• Have access to a client’s equipment - For example, IT professionals should be covered against potential claims with IT business liability insurance
• Represent your client’s business
• Use third-party locations for any business related activities - For example, architects should make sure that they’re covered with architect’s business liability insurance
• Are required to have general liability insurance before entering into a contract

What does General Liability Insurance cover?

• Bodily Injury
• Damage to third party property
• Personal injury
• Advertising injury
• Electronic data liability
• Medical expenses
• Defense costs
• Actions of your full-time employees and temporary staff
• Supplemental payments