Business General Liability Insurance

Because mistakes happen, you need liability insurance.

Essentially, liability insurance is there to clean up after your business's mistakes, providing coverage for claims related to negligent business activities (injury related to the use of your product, for example) or the failure to use reasonable care. The insurer typically pays damages and legal defense fees as well as case-settlement charges.

How much liability coverage do you need? This can be difficult because benchmarks really do not exist. While some brokers recommend that your coverage match that of the largest court award for a case relevant to your business, others base recommendations on company assets.

Moreover, unlike property, which has a fixed value, liability claims do not have any limitations. To make sure your business is properly protected, we recommend a review of your current coverages with an insurance professional from Brown and Brown Insurance.