Save on your General Liability Insurance Coverage

General liability insurance can be purchased as a stand-alone policy or as part of a business owners policy. It is probably one of the most important policies you can buy to protect your company against serious financial risk or bankruptcy due to a lawsuit.

General liability insurance will cover your company in case it is sued by employees or third parties (such as customers, vendors or visitors to your premises) for claims that happen as a result of normal business operations. This includes:

  • Bodily injuries that occur at your premises
  • Bodily injuries sustained as a result of the actions or negligence of one of your employees, or your product or services
  • Property damage caused by your employees or one of your products or services
  • Advertising injury (damage from slander or false advertising).

The policy would pay for:

  • Costs of damage
  • Settlements
  • Judgments, and
  • Legal fees and other court costs.


construction building site with craneRates will vary depending on your company’s and its industry’s exposure to risk. Leaders’ Choice has access to a number of insurance companies, some of which may specialize in your specific industry, which will often yield lower rates.

How General Liability Works

Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren’t covered under general liability insurance policies because they’re considered to be punishment for intentional acts.

General liability insurance policies always state a maximum amount that the insurer will pay during the policy period. Usually these policies also list the maximum amount the insurer will pay per occurrence. For example, if a company has a $1 million occurrence cap in its liability policy and it’s successfully sued for $1.5 million, the insurer would pay $1 million and the business would be responsible for paying $500,000.

To cover these types of situations, many companies purchase umbrella liability insurance, which picks up where their general liability coverage ends. Umbrella liability covers payments that exceed their other policy’s limits, and provides additional coverage for liabilities not covered in a standard liability insurance policy.

Most insurance companies require their policyholders to report as soon as possible any accidents that could lead to a liability claim. The insurer may then require the business owner to document the situation, forward all summonses and legal notices, and cooperate fully in any investigations.

Taking precautions before an accident can help keep your liability and insurance rates down. All businesses can take certain steps to lower the chance of a liability insurance claim:

  • Set a high standard for product quality control;
  • Make sure all company records are complete and up-to-date;
  • Be sure employees are properly trained;
  • Get safety tips for your type of business from your insurance company.

Stop Wasting Money on General Liability Insurance!

The amount you pay for general liability insurance can vary wildly among insurance brokers.

  • We have the lowest rates available from top rated carriers.
  • Low down payment.
  • Get coverage the same day.
  • Fast online process.


Need Help Navigating Your General Liability Insurance Needs?

Insurance can be painful. And too expensive. But guess what? It doesn’t have to be. That’s why Leaders’ Choice is on a mission to make it simple, transparent, and affordable.


Save An Average of 30% Off Your Current Rates Today!

It is critical that these policies are written correctly.
A licensed insurance expert is waiting to help you if you please call (866) 211-2123 or submit the form below.

    How would you like to receive your quote: