general liability insurance

Prepare for the Unexpected.


As a business owner, you take calculated risks every day in order to keep your business thriving. But what about the risks you haven't considered? General liability insurance is an excellent way to allow you to focus on your business without being blindsided by unexpected liability.

What does a General Liability insurance policy generally cover?

General Liability insurance protects your business from “general” claims involving bodily injuries and property damage.

General Liability Insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have being free from worry about the attorney costs as the liability case grinds on—and if you’ve got something to take, the plaintiff’s attorneys will often make sure it does.


Who Should consider a general liability insurance policy?

A General Liability (GL) policy is appropriate for businesses that:

  • Interact with clients face to face.
  • Have access to equipment that’s not theirs, such as an electrician or IT professional.
  • Represent client’s business to other companies.
  • Use third-party locations for any business-related activities, such as a wedding planner or interior designer.  
  • Are required to maintain general liability insurance as part of a contract with a client.

Here's How DiNicola Insurance Services Can Help:

Liability insurance is a broad category of coverages that protect businesses from devastating costs associated with injury to someone outside your company or damage to their property. General liability insurance is the most common, but the standard policy usually specifically excludes professional services; errors and omissions; employment practices liability; directors and officers liability; and pollution liability. For those risks, you need specific policies that address those particular issues. You also need an advisor with expertise in risk management that can help you avoid liability claims.

DiNicola Insurance Services fills both of those roles, offering risk analysis as well as multiple business insurance coverages tailored to the needs of your business.

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