General Liability Insurance
Commercial General Liability Insurance also known as CGL is a coverage for business and organizations to protect them bodily injury to others or property damage. These damages can be something that occur on your premises or a different location, a product you sell or produce, or for work that you have completed. General Liability can cover the cost of damages you are found responsible for and even cover your legal expenses in your cost to defend yourself.
Our Commercial Insurance Partners
What Does Commercial General Liability Insurance Cover?
It's pretty simple... It covers bodily injury and property damage that you or your business is could be held responsible for and even the cost to defend yourself. Here are a few examples of a few different liability claim types:
- Premises: Coverage for injuries of others on your premises such as trip and fall hazards
- Operations: A contractor working in a house accidentally hits a waterline inside of a house and causes damage to a customers property
- Products:A company that assembles picture frames to home furnishing stores uses fault hardware that causes injury from a picture falling onto a person
- Completed Operations: A customer gets their brakes changed by a mechanic and it's done improperly and causes the customer to crash and become injured from the brakes not being installed properly
How much does General Liability Insurance Cost?
General Liability can vary drastically based off of the type of business that you are in. If you are a small retail shop, you're typically going to be a lower risk than a large contractor using heavy equipment. Policies usually start around $500 per year and go upward from there.
Companies are typically rated off of items such as their payroll figures or their gross sales depending on the type of company and the rates can be higher or lower depending on the total size of the company.
To get a better understanding of your rates and how they're put together and ways to keep them down in the future give us a call to see how we can assist you.
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Ashley -
Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read more
Rhonda -
My husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read more 
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Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read more
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I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read more
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O -
Service was awesome. Great experience all around. Definitely would recommend to anyone
Nathan - Kevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he puts... read more
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