General Liability Insurance
General liability insurance is there to protect your business from common third-party risks including bodily injury, property damage and advertising injuries. If your business is found liable for any of these losses, general liability insurance is there to ensure that a lawsuit does not lead to financial distress.
It is no secret the businesses can be frequent targets of a variety of lawsuits. Making sure your general liability policy covers your exact business activities and exposures can make or break your business financially when the inevitable happens. Click below to find the policy that best protects your business and stays within budget.
Industries and Carriers
At The Ragnar Group Inc. we have leveraged technology partners to gain access to dozens of general liability insurance carriers. No matter your business, we have carriers to help get you covered. Some of the industries we work with are:
- Childcare Facilities
- Landscape Companies
- Delivery Services
- Plumbers
- Construction Companies
- Hotels
- HVAC Companies
We also have specialty programs owned and operated for the hospitality industry, including liquor liability.
What Does General Liability Cover?
Covers medical expenses and legal fees if a customer or visitor is injured on your premises or as a result of services your business provides.
Commonly called "slip and fall" claims.
Pays for repairs or replacement if your business operations accidentally damage another person's or business's property.
Example: If you are a tree trimmer and a branch accidentally falls on a clients roof.
Protects against lawsuits that may arise from your business operations that cause libel, slander, copyright infringement or false advertising.
Example: Your business advertises on Facebook and you accidentally use copyrighted images.
Covers smaller medical expenses for injured individuals without requiring a lawsuit.
Example: A small trip and fall where a customer only requires a couple of stitches.
Covers damage caused by your negligence to a property that you rent from others for your business.
Example: You leave a candle burning on your desk and it causes a fire.
There are common exclusions to a standard general liability policy that may require additional policies or riders. These can include:
Employee Injuries (Work Comp)
Professional Mistakes (E&O Insurance)
Business Property (Commercial Property Insurance)
Commercial Auto Accidents (Commercial Auto Policy)