Reasons Insurance helps businesses review general liability insurance for bodily injury, property damage, completed operations, and contractual liability. Independent agency with access to multiple commercial carriers.
Bodily injury and property damage caused by your business operations. Personal and advertising injury. Products and completed operations. Medical payments. Contractual liability for insured contracts.
Professional errors and omissions. Employee injuries (workers comp). Commercial auto. Intentional acts. Pollution unless specifically endorsed.
No. General liability usually focuses on bodily injury and property damage. Professional liability focuses on financial harm from professional advice, errors, or services.
Most businesses need general liability. Contractors, service businesses, retailers, landlords, and professional service providers are commonly required to carry it by clients, landlords, and licensing boards.
General liability policies can look similar on the surface, but carrier appetite, exclusions, endorsements, additional insured wording, waiver of subrogation, primary and noncontributory language, and completed operations treatment can change the outcome. Reasons Insurance helps businesses compare more than the premium and certificate box.