What is Small Business Liability Insurance?
Small Business Liability Insurance, often referred to as General Liability Insurance, protects a business against claims of bodily injury, property damage, and personal or advertising injury that may arise from daily operations. It helps cover legal fees, medical expenses, settlements, or judgments if your business is found responsible for an incident involving a customer, vendor, or third party.

Why Do You Need It?
Even well-run businesses face unexpected risks. A customer slip-and-fall, accidental property damage, or a claim of negligence can result in costly legal action. Liability insurance helps protect your financial stability, allowing you to focus on running and growing your business with confidence. Many landlords, clients, and contracts also require proof of coverage before you can operate or secure work.

Questions to Ask Your Agent

• What types of liability risks are most common for my industry?

• How much coverage do I need to adequately protect my business?

• What is included or excluded in this policy?

• Are legal defense costs covered in addition to policy limits?

• Can this policy be bundled with other coverages, such as property or professional liability, for broader protection?