Protect your small business with general liability insurance.
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General liability (GL) insurance, also known as business or commercial liability insurance, covers claims made by others that arise from normal business operations, including bodily injury, property damage, and non-physical personal injury, such as libel or slander.
General liability insurance is a way to help protect your business and cover your costs if someone gets hurt at your place of business, you or your employees accidentally damage another person’s property, or you harm someone’s reputation.
Many small businesses and independent contractors can benefit from the protection of general liability insurance. If a customer gets hurt or one of your employees damages someone’s property in the course of business, you can be held financially and legally responsible.
If any of the following apply to you, your business, or your employees, you may want to consider general liability insurance coverage:
Small businesses, professionals, and contractors from all different industries use general liability insurance. Examples of businesses that use general liability insurance include:
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If a customer or visitor is injured at your place of business, your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
If someone claims that you damaged their reputation through something you wrote or said, your general liability insurance can help cover the associated costs.
If your business is sued for a general liability claim, your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
If a customer sues your business for alleged property damage or injury due to your product or completed service, products-completed operations coverage can help protect you.
Berxi general liability insurance can help pay for repairs or replacement of another’s property if it’s accidentally damaged by you or one of your employees. For example, if your employee inadvertently damages a client’s floor during work at their residence, general liability insurance can help address the costs of repairing or replacing the damaged floor.
Your general liability policy can assist in covering medical costs resulting from bodily injuries caused by some aspect of your business, such as a customer slipping and falling inside your store or office. In fact, general liability insurance is sometimes called “slip and fall insurance.”
If someone sues your business for a general liability claim for bodily injury, property damage, personal injury, or advertising injury, we’ll retain a lawyer for you from our network of specialized defense attorneys. We’ll also pay for related defense costs, such as lawyer fees, court fees, and expert witness costs. Plus, these defense costs are outside the limits of liability. This means that the costs of your legal defense won’t cut into the money available for a settlement you may need to pay after a ruling.
Berxi general liability insurance can help cover the costs of settlements resulting from GL lawsuits. If your business is sued and found liable for damages, the cost of settling a claim can be substantial. General liability insurance from Berxi can help minimize the financial burden of a hefty settlement payment.
General liability insurance can help cover the costs if a customer sues your company for advertising injury. Advertising injury claims typically involve defamation, such as misrepresenting another person or business through ads; copyright infringement, meaning unauthorized use, reproduction, or distribution of copyrighted material in marketing content; or using another business’s advertising idea.
Products-completed operations coverage helps cover claims of bodily injury or property damage resulting from your business’s product or completed services that were provided away from your business location. This coverage comes standard with Berxi general liability insurance policies (excluding our ancillary GL add-on for professional liability policies).
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
If we ask you to attend any depositions, trials, hearings, or arbitration proceedings in support of your legal defense, we’ll reimburse you for actual lost wages (up to $250 per day) and any reasonable and necessary expenses.
Every business is unique, and the cost of your general liability policy depends on your needs and risks. Factors that can affect the cost include:
The type of work you do
The size of your business
Your location
The amount of coverage you need
Berxi’s general liability insurance for small business starts at an average of around $20 per month. The best way to find out how much your policy could cost is to get a quick online quote – it only takes a couple of minutes!
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We’re working to create a simpler, faster, and more affordable insurance experience for our customers, and we think we’re the right choice for businesses like yours. But we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies.
With a financial strength rating of A++, we have the stability and expertise to protect you long-term.
Because we sell directly to customers, we cut out the middlemen and broker fees – and pass the savings on to you.
You can visit our website to get a quote, buy a policy, get proof of insurance, and file a claim – all in a few clicks.
When you call our support line, you’ll reach a real-life human being who’ll work hard to answer all of your questions.
General liability insurance coverage can protect your business from third party claims of bodily injury, property damage, or personal injury, but there are other risks that it doesn’t cover. Depending on your needs, you may want to consider these different types of business insurance in addition to your general liability policy.
For healthcare professionals, medical malpractice insurance helps provide legal protection and financial support if a patient or a patient’s representative sues you for making a mistake or oversight that leads to bodily injury.
If a dental professional is sued for accidentally causing a patient bodily injury during treatment, dental malpractice insurance can provide legal protection and help cover the associated costs of the claim.
In the event that a business or professional causes a client financial harm because of a mistake made in the work they provided, their errors and omissions (E&O) insurance can offer legal and financial protection.
Also known as cyber security insurance, this helps cover the costs of computer systems compromised from ransomware or other attacks, as well as lawsuits resulting from data breaches, hacking, and other cyber crimes.
Workplace accidents that result in bodily injuries to your employees are covered by workers’ compensation insurance, also known as workers’ comp.
For businesses that operate a physical space and own tangible assets, business personal property (BPP) insurance can cover the costs of replacing or repairing stolen or damaged property, including equipment, tools, and inventory.
General liability insurance coverage is a crucial way to help protect small businesses from risk. Here’s what it covers, what it doesn’t, and how it can help your business.
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Both general liability and errors and omissions insurance policies help protect small businesses, but they cover different risks. Find out which is right for your business.
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Several types of liability insurance are available to help protect businesses, professionals, and contractors. So what do they cover, and which do you need?
learn moreIn most states, general liability insurance is not legally required. But many businesses still need to get coverage in order to operate, even if it’s not mandated by law: when entering into a contract with a client, applying for permits from a licensing body, or signing a lease with a landlord, businesses often need to show proof that they have general liability insurance. In addition, it’s smart – and good business practice – to protect your business from potential general liability claims and lawsuits.
General liability insurance doesn’t cover theft or the replacement of your business’s stolen property. However, Berxi gives you the option to add business personal property (BPP) coverage to your general liability policy, which can help cover theft.
General liability insurance is third-party insurance, which means it only covers injury to others. If you damage a client’s property or a visitor gets hurt at your place of business, your general liability policy can help cover the costs of repairs or medical bills. But if, for example, tools are stolen from your business, your general liability insurance coverage will not apply.
That’s where business personal property (BPP) insurance comes in. BPP insurance can cover the costs of replacing or repairing stolen or damaged property, including equipment, tools, computers, personal property located at the business, inventory, valuable documents, and more. Berxi offers an optional BPP add-on for general liability insurance policies.
Yes, general liability insurance is usually tax deductible. The IRS considers your insurance premiums to be a necessary business expense. When you purchase a general liability policy, make sure you keep track of all your payments for tax season.
General liability and professional liability insurance policies address different risks. While general liability insurance covers third-party incidents that could happen in almost any setting (e.g., a client slips and falls on your property), professional liability insurance addresses errors and omissions you might accidentally make that could cause someone or a company harm. Types of professional liability insurance include errors and omissions insurance for small businesses and malpractice insurance for medical professionals. When combined, general liability insurance and professional liability insurance can cover a broad scope of incidents and oversights that could lead to claims.
While not required by law, it can be a good idea for limited liability companies (LLCs) to have general liability insurance coverage. The costs of general liability claims can be a huge financial burden for businesses, and your insurance policy can help pay those costs. In addition, even though general liability insurance may not be legally required, your LLC may need to show proof of coverage in order to sign contracts, rent property, and apply for permits.
While medical malpractice insurance is crucial for most healthcare providers, general liability insurance is also important for those who own their own practice or clinic, have a commercial space, rent or own vehicles for their business, or advertise their services. That’s because general liability insurance can cover physical injuries to non-employees that aren’t related to their medical care, as well as damage to others’ property caused by you or your employees.
In fact, GL insurance is often called “slip and fall” insurance because it can help protect you if a customer or visitor were to slip and hurt themselves on your commercial property. In addition, general liability insurance can cover you if your business is sued for personal injury, such as libel or slander.
This page is meant to be an informational resource about Berxi’s general liability insurance policies, not our ancillary general liability add-on for professional liability insurance policies. Please refer to the actual policy for complete details of coverage and exclusions.
