General liability insurance provided by Rue Insurance.

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

Protection against the risk of damages.

When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.

What general liability insurance does and does not cover.

General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.

When is general liability insurance required?

Your business needs general liability insurance if you ever meet clients (at your business or theirs), or have any physical access to their equipment. Additionally, general liability insurance may be a requirement before some businesses will sign a contract with you.

What’s the difference between General Liability and Professional Liability Coverage?

It is a common misconception that general liability insurance protects your business from all risks.

In fact, general liability coverage protects your business against bodily injury claims, such as a slip and fall, or property damage claims where you, or an employee of yours, accidently damages property of others.

Professional Liability insurance on the other hand helps protect your business against errors or mistakes that happen on your behalf lead to a financial loss for your client.

Both general and professional liability insurance coverage will help your business cover the expensive costs associated with claims against your business.

General liability insurance is a common necessity for most businesses. We can help you to determine a policy that works for your unique business. If you want to make sure your business is properly insured, give us a call here at Rue or fill out the form below. Through an in-depth policy review, we will help you determine which policies fit your risks, and design a custom insurance plan to protect your business. That’s what it means to be Ready with Rue.

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As an independent agency, we are here to help you find the right General Liability Insurance coverage.