What is General Liability Insurance?

General liability insurance isn’t just a safety net—it’s a must-have for any business. Without it, one costly claim could derail everything you’ve worked for. With GL insurance, you gain the protection you need to stay focused on what matters most: growing your business. 

• Bodily Injury: If a third party sustains a physical injury on your premises or as a result of your business operations, general liability insurance helps cover the associated costs.

• Property Damage : Accidentally damage someone else’s property? Whether it’s a client’s belongings or rented equipment, GL insurance can help cover the repair or replacement costs.

• Medical Expenses: If a customer or third party is injured and requires medical attention, GL insurance steps in to cover hospital bills and related expenses.

• Personal and Advertising Injury: Protects against claims that your business activities or advertising damaged another party’s reputation.

• Defense Costs: Legal battles can be expensive. General liability insurance helps  cover the cost of lawyers and legal fees if you need to defend your business in court. 

A Certificate of Insurance (COI) is essentially proof of insurance. This document provides key details about your policy, including the insurance carrier, broker, coverage types, policy limits, effective and  expiration dates, and other important information. A COI is often required to confirm that you have adequate insurance coverage in place. 

For many business owners, managing these detailed requests can feel overwhelming. That’s where we come in. With over 40 years of combined experience, our agents specialize in navigating even the most intricate COI requirements. Simply forward your certificate request to us, and we’ll handle the rest—from ensuring accurate wording to meeting every contract specification. We make the process seamless, so you can focus on what you do best: growing your business. * Additional charges may apply *

Navigating certificate requirements can be complex, but our agents make it simple. Just forward your COI request to us, and we’ll take care of everything. We offer same day service! [Additional Cost may apply] 

Here’s how we help:

1. Forward Us the Insurance Requirements: Simply send us the details, and we’ll take it from there.
2. We Handle the Entire Process:

• Decipher the Language: We’ll interpret complex insurance terms and requirements.

• Manage the Paperwork: From processing endorsements to completing necessary waivers, forms, or supporting documents, we’ve got it covered.

• Ensure Accuracy: Whether it’s unique certificate wording, additional insured endorsements, or waivers of subrogation, every detail will be precise and compliant.

• Prompt Delivery: Once everything is complete, we’ll send the Certificate of Insurance (COI) directly to the property manager or designated recipient on your behalf.

With our expertise, you can be confident that all requirements are met promptly and efficiently. Focus on growing your business, and let us handle the complexities of COI management—saving you time, effort, and stress.

A deductible is the amount you pay out of pocket before your insurance kicks in to cover the remaining cost of a claim.

Example:

• If your deductible is $500 and your covered claim is $2,500, you pay $500, and your insurance covers the remaining $2,000.

Choosing a higher deductible may lower your monthly premium, but it means paying more out of pocket for a claim.