General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. Do you know what you are covered for? Do you have enough coverage? Are you paying too much for too little coverage?
Who needs general liability insurance?
General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it's also available to many contractors as a stand-alone coverage through the General Liability insurance.
As a contractor or small business owner, you need some form of business liability insurance to safeguard your livelihood.
A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.
Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.
Bodily injury and property damage liability
Personal and advertising injury
Products completed operations
Damage to premises rented to you
We can customized your coverage needs. Let Americas Insurance Services agents work with carriers to find the best solutions that are unique to your business needs.