It is important to note that even if someone injures themselves on your property and it was clearly their fault, they could still file a liability claim against you. Remember, bodily injuries can happen to anyone including customers, maintenance personnel, delivery persons or staff. And claims can lead to major financial consequences for expenses related to pain and suffering, lost wages and medical bills. It really is foolish not to get good business insurance.

Property damage includes damage to your property, tools, equipment or technology – all the things that keep your business running. Property and product liability claims often overlap when damage is the result of a faulty product. CGL helps to mitigate any costs associated with these claims.

Small business owners too often make the fatal mistake of not getting liability insurance because of the costs. But the smaller your business is, the worse the impact will be should you ever be sued and lose. At the very least you need insurance to protect you from risk and loss, something CGL will provide. It’s also crucial to remember that should you ever want to participate in a tradeshow or market of any kind, you typically have to provide a certificate of liability coverage in order to attend. And if you are a contractor or tradesperson, then you will find out that clients often want to see it as well before allowing you to work on their property.

Cyber attacks are proliferating all over the world; there is no more urgent time to consider this option. Especially for small businesses. This coverage helps mitigate expenses that arise as the result of a cyber hack.

This covers you should someone decide to sue you because of the advice you gave them. They could claim it led to financial loss. This type of coverage is also known as errors and omissions coverage.