Top 5 Questions for General Liability Insurance

1. What does General Liability Insurance cover?
In short, General Liability Insurance covers the cost to investigate claims, defend against third party lawsuits, and pay judgments if you are found to be liable.

2. Can general liability insurance be combined with an umbrella on commercial insurance?
Yes. For businesses that may need 5 million on more in liability coverage, you can always add an umbrella to help protect the business.

3. Is Cyber Liability included on a General Liability Insurance policy?
General Liability typically doesn’t include Cyber Liability Insurance. However, it can be endorsed or added to your policy.

4. How much is General Liability Insurance?
The cost will depend on several factors:
  • Business Industry type
  • Years of Experience
  • Company size
  • Location
Certain businesses will be rated off payrolls, gross sales, or size of building. Each risk is unique.

5. Can I combine General Liability Insurance and Property Insurance?
Yes. If it is a better option, a business owners policy may be the best option. This allows you to put multiple coverages together on one policy. This type of policy is often found on smaller local businesses like a boutique or retail space.