It is important to protect your firm from liability claims. General liability insurance (GL) is coverage that can protect you from a variety of claims, including bodily injury, property damage, personal injury, and others that can arise from your business operations.

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it’s also available to many contractors as stand-alone coverage. It is important to keep in mind that a single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this is to make sure you have liability coverage that matches your exposure level. Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

Cost Factors

• Your business type
• The number of employees you have
• Your location
• The level of risk your company is exposed to

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