Commercial General Liability

As a business owner, you know how hard you have worked to get where you are. Whether you are a consultant, CEO, tradesperson, contractor or entrepreneur, it doesn’t matter. One of the most important things to know is how you can protect your interests. This is especially true for small business owners.

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Commercial General Liability

As a business owner, you know how hard you have worked to get where you are. Whether you are a consultant, CEO, tradesperson, contractor or entrepreneur, it doesn’t matter. One of the most important things to know is how you can protect your interests. This is especially true for small business owners.

Starting from $30/month.

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Commercial General Liability Insurance (CGL)

This is one of the most important types of insurance you need as a business owner. Lawsuits against your business owner can crush morale, damage your reputation and seriously hurt your profits. Even if you mean well, it is surprisingly easy to find yourself on the wrong end of a liability claim. Understanding your risks is critical to getting the right kind of insurance.

Commercial General Liability (CGL) insurance provides financial coverage for claims of third-party liability, bodily injury or property damage resulting from an accident or negligence. Should you be found legally liable for any of these things caused by the product or service you sell, it could ruin you. This type of insurance covers general liability risks associated with your operations. It will also offer protection in situations where you or a staff member are conducting business offsite.

Bodily injury

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

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.

Who Needs It?

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.

Additional Options

There are a few other options to consider, but important to speak to a Financial Advisor. Among them:

Cyber Risk & Data Breach Coverage

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.

Professional Liability

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.

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Talk to us!

Every business faces risks, even ones we cannot see. It is foolhardy to be without insurance. There is no cost to you if you give us a call. We can walk you through the options suited to your particular needs.

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