General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.
General liability insurance for professional services businesses covers common risks that arise from dealing with the public, such as a client tripping and breaking a wrist at your office.
This policy offers coverage related to:
If you run a small business, you might be able to bundle general liability insurance with commercial property insurance in a business owner’s policy for savings. Professional services businesses that are eligible for BOPs usually:
You may also be able to bundle professional liability insurance with general liability insurance or a BOP at a discounted rate. Talk to a licensed Insureon agent to maximize your savings and coverage.
If a client or delivery person slips and falls at your travel agency or publishing house, there’s a chance you could be held liable for the injury. If the person takes you to court, you could end up paying for medical expenses and legal costs. General liability insurance covers:
It’s important to note that this policy does not cover employee injuries. For that, you’ll need workers’ compensation insurance.
General liability insurance safeguards you when customer property is damaged. If one of your tutors accidentally drops a student’s laptop, this type of professional services insurance can help cover the cost of repairing or replacing it.
This policy can also protect you from off-site incidents. For example, if a professional organizer damages a valuable keepsake at a client’s home, the resulting lawsuit would be covered by your general liability insurance.
While advertising your company and its professional services, it’s possible to copy a slogan or provide misinformation about a competitor. Accidental advertising injuries are covered by general liability insurance. This includes:
This policy can protect a public speaker accused of slander, or a travel agent who accidentally copied a competitor’s logo. It offers valuable protection to any small business launching an advertising campaign.
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While general liability insurance covers many common risks, it does not provide absolute protection. Other professional service insurance policies to consider include:
Business owner's policy (BOP): This policy bundles general liability insurance with commercial property insurance, often at a lower premium than if the policies were purchased separately.
Professional liability insurance: This policy, also called errors and omissions insurance for professional services, can help cover legal expenses if a business is sued for unsatisfactory work.
Cyber liability insurance: This policy helps businesses survive data breaches and cyberattacks by paying for recovery expenses and associated costs.
Workers’ compensation insurance: Required in almost every state for professional services businesses that have employees, workers’ comp can cover medical costs for work injuries.
Are you ready to safeguard your professional services business with general liability insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.