Commercial General Liability in Ballston Spa, NY & Saratoga Springs, NY
Critical Assurance for the Protection of Your Business.
If your business is accused of causing third-party harm, you could face a costly liability lawsuit. General liability insurance, also known as commercial liability insurance, can provide financial protection from common business risks arising from everyday business operations. Contact Commercial Coverage, Inc. in Ballston Spa, New York, for a personalized general liability insurance quote.
What Is General Liability Insurance?
General liability insurance is an insurance policy that can protect your business assets by helping to pay for legal costs and damages arising from covered events. It is designed to provide financial protection if you’re held liable for bodily injuries or property damage arising from your business’s operations, products or services.
What Does General Liability Insurance Cover?
The following list contains common general liability coverages for you to consider:
- Bodily injury liability coverage may help cover costs (e.g., legal fees and settlements) if your business is accused of causing third-party bodily injuries.
- Medical payments coverage (MedPay) may help pay for third-party medical bills regardless of fault. This typically does not cover employee injuries.
- Property damage liability may help cover expenses associated with claims that your business caused third-party property damage.
Do I Need General Liability Insurance?
- Personal and advertising injury liability may help cover costs (e.g., defense costs and settlements) if your business is accused of using stolen advertising ideas, causing personal injuries or issuing false or misleading statements.
General liability insurance isn’t usually required by law, but certain industries may need coverage to meet licensing requirements. It may also be required by specific clients or your landlord. Contact Commercial Coverage to ask about your insurance needs.
Do I Need General Liability Insurance if I Work from Home?
General liability coverage is especially important for home-based businesses because your homeowners insurance policy won’t typically cover commercial business-related accidents. If, for example, a customer breaks their arm falling down your stairs, you could have to pay for all of the resulting costs (e.g., legal fees, medical bills) out of pocket.
How Do I Buy General Liability Insurance?
General liability insurance can provide much-needed financial protection for your business. Contact Commercial Coverage to learn more about our general liability insurance policies and to speak to an insurance agent.