General Liability Insurance

General liability insurance helps protect your business from a variety of liability claims, including personal injury, property damage, or bodily injury. Also known as business liability insurance, this type of coverage can help cover medical payments, attorney fees, and other expenses that might result from claims made against your business.

At KSA Insurance, we work with business owners in South Carolina and the southeastern United States to help them find affordable business insurance policies that protect their businesses, employees, and customers.

Contact KSA Insurance today to learn more about general liability insurance and get a personalized quote.

What is General Liability Insurance?

General liability insurance is a type of commercial insurance that protects businesses against claims of bodily injury or property damage that may arise from your normal business operations.

Without business liability insurance, you would have to pay for medical expenses, property damages, and legal fees out of pocket. This can be particularly devastating for small businesses that don’t have the necessary funds to cover these expenses.

General liability insurance can be purchased as a standalone policy or as part of a Business Owner’s Policy (BOP), which also includes commercial property insurance.

How General Liability Insurance Protects Your Business

General liability insurance can protect your business in a variety of ways. With business liability insurance, you’ll be protected from claims of:

  • Property damage: General liability insurance can pay for damages to a customer’s property that occur during normal business operations.
  • Bodily injury: If a customer is injured while at your place of business, this coverage can help cover medical expenses.
  • Reputational damages: Business liability insurance policies can also cover claims of slander, malicious prosecution, libel, and violating a customer’s privacy.
  • Damage to rented property: General liability policies can help pay for repairs if your rented property is damaged by a covered hazard, like fire or lightning.
  • Advertising injury: General liability insurance provides coverage for copyright claims.

Who Needs General Liability Insurance?

Nearly all businesses can benefit from having an active general liability insurance policy. Small businesses and contractors that don’t have general liability insurance are particularly vulnerable as they may not be able to recover if they have to pay out of pocket for the expenses that arise from a claim.

From accidents like slip and falls to property damage that occurs during product delivery, general liability insurance offers a great way to safeguard your business and prepare for the unexpected.

How Much Does General Liability Insurance Cost?

General liability insurance can cost anywhere from a few hundred dollars to a few thousand dollars per year depending on several key factors, including your business’:

  • Location
  • Age
  • Building condition
  • Claims history
  • Number of employees
  • Industry

Your policy details, like your deductible and coverage limit, will also impact the cost of your policy. A KSA Insurance agent can help you find an affordable business liability insurance policy that meets your coverage and financial needs.

Request A Quote Today

General liability insurance provides essential coverage to protect businesses against claims made by customers.

KSA Insurance has extensive experience working with businesses in South Carolina and across the southeastern United States to find comprehensive general liability insurance policies that meet all of their needs.

Contact us today to get a quote and learn more about general liability insurance.

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