Commercial General Liability Insurance
Running a small business may involve numerous risks. No matter how well you’re prepared, accidents can still happen. That’s where something like commercial general liability insurance may be able to help you and your business. Depending on your policy, this insurance may help cover claims like third party property damage and bodily injuries to non-employees.
At Infinity Insurance Agency, Inc. (IIA), we believe that small businesses deserve the right tools to help them navigate their operations. Here, we’ll explore what commercial general liability insurance may cover and how IIA can assist you with finding the business insurance you need.
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What is commercial general liability insurance?
Commercial general liability insurance (CGL) is a type of insurance that can help cover claims against your operations that may include:
Medical payments
This coverage may help pay the medical costs if someone who’s not an employee is injured on your premises.
Property damage
If your business causes damage to someone else’s property, CGL insurance may help cover those expenses.
Personal and advertising injury
This may help your business when claims of libel, slander, or copyright infringement arise. If another business accuses you of damaging their reputation, your CGL policy may be able to cover the legal fees.
Bodily injury
If a customer or client gets injured on your business premises, CGL insurance may help cover the damage and legal bills.
Who needs commercial general liability insurance?
While most businesses can benefit from CGL insurance, some industries may face higher risks. These may include:
Construction companies
Construction workers may use sharp and dangerous equipment while on the job. If a worker accidentally damages someone else’s property, CGL insurance may help cover those claims.
Cleaning services
Cleaning businesses often work on clients' properties, which means there may be a potential for damaging someone’s home. CGL insurance may help your business navigate claims if an accident occurs.
Landscaping businesses
While cutting grass or handling heavy machinery, landscapers may inadvertently cause property damage. The potential for accidents may be a great reason for landscaping businesses to have CGL insurance.
Food truck owners
Operating a food truck comes with specific risks, and CGL insurance can help cover third-party injury or property damage claims if they arise.
Why choose IIA for your CGL needs?
When it comes to finding the right insurance provider, Infinity Insurance Agency, Inc. stands out for many reasons. Here’s how IIA can help small business owners:
1 Affordable coverage options:
We know that small businesses have tight budgets, which is why we work with providers that can offer affordable and flexible insurance options without compromising on coverage. We can help you tailor your policy to meet the specific needs of your business and your budget.
2 Bilingual support:
Whether you speak English or Spanish, our bilingual team is ready to assist you, helping you make more informed decisions about your insurance coverage.
3 Expertise with small business owners:
At IIA, we have ample experience in helping businesses find insurance for industries like construction, cleaning, landscaping, and food service. We understand the unique risks small business owners face, which can help guide you through the insurance process.
4 Flexible payment plans:
We work with providers that can offer flexible payment plans that can help small business owners manage their expenses. Whether you prefer monthly payments or paying your premium in full, we can help you find the right plan for your needs.
How to get started with IIA
Though finding the right insurance may be daunting, IIA is here to guide you through the process and help you find a policy that aligns with your business goals. With us, you can:
- Call to get a free quote: Reach out to our team for a free, personalized quote. We can help you understand what coverage options are available as well as compare quotes from different carriers.
- Speak to an expert: Our Spanish-bilingual team can help answer your insurance questions and help you find the coverage you need for your business.
- Customize your coverage: We can help you tailor your insurance policy to match your specific business requirements and budget.
Are you looking to add commercial general liability insurance to your policy or interested in getting a free quote? Contact IIA at 1-855-478-3705 to speak with one of our experienced and friendly agents.
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FAQs
What types of businesses need commercial general liability insurance?
Businesses that interact with the public, own property, or have employees that work with clients or on a third-party’s property may benefit from having a CGL policy.
What are common exclusions in a CGL policy?
Common exclusions may include professional services, auto accidents, and employee injuries. If you want coverage for professional mistakes and negligence claims, you may want professional liability insurance, which can help pay for damages and legal costs associated with those incidents. If you need coverage for your business vehicle, you may want to consider commercial auto insurance.
Can I customize my coverage to fit my specific business?
Yes, IIA works with providers that can help you tailor your business insurance policy to meet your business’s unique needs.
What happens if I don’t have commercial general liability insurance?
Without CGL insurance, your business could be held liable for the full cost of certain accidents, injuries, or third-party property damage, which may negatively affect your business operations.
How do I assess my business’s insurance needs?
If you want to talk through your insurance needs, you can call IIA and speak with one of our agents. We can help guide you through your insurance inquiries and help you find coverage that fits your industry’s needs.
Disclaimer:
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.