General Liability Insurance
General Liability Insurance Quote Forms
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General Liability Insurance Information
Virginia business owners can protect their companies against various accidents, including business property damage, professional mistakes and employee injury. These incidents can be costly, and legal fees and recovery costs can damage a business’s financial livelihood. General liability insurance, also known as commercial general liability insurance (CGL), can protect a business’s operations and employees from various risks.
CGL is indispensable insurance for your business’s future. A CGL policy may include these coverages:
- Third-party bodily injury—Say a visitor slips and falls on a wet floor at your business. You may face severe financial damages. CGL may cover any physical injuries suffered by third parties on your premises from your business’s operations.
- Third-party property damage—If you’re found liable for damage to someone else’s property, a CGL policy may cover damage to tangible property and provide coverage for its loss of use.
- Personal and advertising injury liability—A CGL policy may cover employee offenses, such as copyright infringement, slander, libel or malicious prosecution.
Is General Liability Insurance Required?
Although general liability insurance isn’t required in Virginia, a CGL policy can protect against several third-party risks. In addition, this coverage is essential since you’re responsible for any remaining costs once you’ve reached your policy’s coverage limit.
Your coverage limits may be different from other businesses’ limits. Your coverage will depend on your business, industry, location and operational risk. Our team at Huffman Insurance Agencies can help you look at your level of risk to determine what general liability coverage is suitable for your company’s needs.
We Can Help
General liability insurance can help safeguard your assets. It also can give you peace of mind knowing your business has the protection it needs if something unfortunate happens. Call Huffman Insurance Agencies at 833-493-4678 today to get started on your CGL policy.