What Is General Liability Insurance ?
General liability insurance also known as (GL Policy) is an insurance policy that can protect you and your business 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, but general liability insurance is also available on its own for all types of businesses.
At Emperor Insurance we could prepare either an individual general liability insurance policy or combine it with a Business Owners Policy also known as a (BOP) that would insure your business is protected should a claim arise.
Who Needs A General Liability Insurance?
Whether you are a contractor or small business owner, whether you are an existing business or a startup venture you need some form of general liability insurance to protect your hard work.
It only takes one incident to prompt a lawsuit that you might not be able to recover from. A good way to protect your business from having to close the doors is to make sure you carry enough general liability insurance.
Many customers/employers might also require you to have a certain amount of general liability insurance before they award you the job.
General Liability Insurance for Contractors:
Emperor Insurance can also offer to endorse a Blanket Additional Insured at the customer’s request to their general liability insurance.
(Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers).
If you want the right protection Call Emperor Insurance for your free general liability insurance Quote Today!
*Bodily Injury and Property Damage *Products/Completed Operations
*Personal and Advertising Injury *Fire Damage *Medical Payments
*Employee Benefits Liability *Umbrella Coverage
*Per Project Aggregate *Stop gap
*Employment Practices Liability *Liquor Liability
Available Endorsements- some only apply to certain carriers
Primary Non-Contributory Wording
Waiver of Subrogation
Blanket Additional Insured
CG20 37 for Completed Ops for 100% Commercial Projects
Expansion Endorsement includes- Newly formed/acquired organizations–notice
extended to 180 days-Fire damage for specified perils- Product recall expense-
Annually for all defects and Primary and noncontributory additional insured
Commercial General Liability
A.M. Best A rated carriers