What general liability insurance is
It's coverage for claims made by other people, such as a customer who is hurt at your location or a client whose property is damaged during your work. It typically helps with legal defense costs and, when a claim is covered, with damages the policy pays. Exact terms vary by policy.
Claims it typically responds to
- Bodily injury to someone who isn't your employee, like a customer, visitor or vendor
- Damage to someone else's property
- Certain advertising or personal injury claims, depending on the policy
What it doesn't cover
Policies differ, so we read the exclusions with you before you decide.
- Injuries to your own employees. That's workers' compensation.
- Your own business property. That's commercial property coverage.
- Mistakes in professional advice or services. That's professional liability.
- Vehicles used for the business. That's commercial auto.
Contracts, clients and landlords
A client, landlord or contract may ask for proof of insurance. If yours does, bring the request. It shows us what limits and wording they expect, and we can look for options that fit.
Have these ready
- What your business does
- Where you operate
- How many people work for you
- A rough idea of annual revenue
- Any insurance requirements from a contract or lease
Where we help
We help business owners in Coconut Creek, Coral Springs, Pompano Beach, Fort Lauderdale, Boca Raton and across Broward and Palm Beach counties, in English or Spanish.