General liability insurance
With Univista’s General Liability Insurance, shield your business from common risks like injuries and property damage. With us, your business stands resilient against industry-specific challenges and unforeseen setbacks.
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What is general liability insurance?
General Liability insurance is designed to protect businesses from liabilities arising from accidents, injuries, or property damage that might occur on their premises or due to their operations.
With Univista, you gain access to a selection of General Liability Insurance options that are grounded in a deep understanding of industry dynamics and potential risks, ensuring a well-informed safeguard for your business.
What does general liability insurance cover?
It’s important to note that while General Liability insurance provides broad coverage for many common business risks, it doesn’t cover everything. Businesses may need additional policies, like Professional Liability or Workers’ Compensation, for more comprehensive protection.
- Bodily Injury: Should a third party, like a customer or vendor, get injured on your business premises or due to your operations, this insurance can cover medical expenses and any legal fees should they decide to sue.
- Property Damage: If your business operations or employees accidentally damage someone else’s property, this insurance can help cover repair or replacement costs.
- Reputational Harm: Protection against claims of malicious prosecution, wrongful eviction, violation of privacy rights, and similar allegations.
- Defense Costs: Should your business be sued, even if the claim is false or groundless, general liability can assist with attorney fees, court costs, and other legal expenses.
How much does general liability insurance cost?
Determining the cost of General Liability Insurance isn’t a one-size-fits-all endeavor. Various factors come into play, and understanding these can help you get a clearer picture of potential costs for your business.
Here are some primary considerations that insurers evaluate:
Business type
The industry you’re in plays a significant role. For instance, a construction company might face higher premiums than a consultancy firm due to the inherent risks involved in physical labor.
Location
Operating in certain areas, especially those prone to natural disasters or with high litigation rates, can influence costs.
Business size and revenue
Larger businesses with more employees or higher revenues might have more exposure to risks, leading to higher premiums.
Claim history
If your business has faced numerous liability claims in the past, insurers might consider you a higher risk, leading to increased rates.
Coverage limits
Opting for higher coverage limits will provide more protection, but it also typically comes with a higher premium.
Operational risks
If your business operations involve potentially hazardous activities, it can drive up the cost.
Contractual requirements
Sometimes, business contracts require certain levels or types of coverage, which can influence your costs.
Additional insurance coverages for your business
Protecting your business extends beyond just traditional business insurance. Depending on your specific situation and the type of business you own, there are other insurance policies you might need to consider:
Professional Liability Insurance
Protects you from claims of negligence or incorrect advice you or your professionals might provide.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Commercial Auto & Trucking Insurance
Shields you from losses related to your business-owned vehicles, both in terms of vehicle damage and accident liability.
Workers' Compensation Insurance
Covers medical expenses and wage replacement if an employee gets injured while working.
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
Professional Liability Insurance
Protects you from claims of negligence or incorrect advice you or your professionals might provide.
Business Owner Policy
A tailored package for business owners combining various coverages, such as property and liability, into one policy.
Commercial Auto & Trucking Insurance
Shields you from losses related to your business-owned vehicles, both in terms of vehicle damage and accident liability.
Workers' Compensation Insurance
Cyber Liability Insurance
Defends your business against financial hits from cyber threats like data breaches and cyberattacks.
General Liability Insurance FAQs
Does General Liability cover injuries to my employees?
No, employee injuries fall under Workers’ Compensation Insurance, which is a separate policy.
Can I bundle General Liability Insurance with other coverages?
Yes, many businesses opt for a Business Owner’s Policy (BOP) which bundles General Liability with Property Insurance, offering broader protection at a cost-saving.
Is General Liability Insurance legally required?
While not always a legal requirement, some clients or landlords may require businesses to have it before entering into a contract. It’s always best to check local laws and industry standards.
Still have questions? Speak to a Univista Insurance expert now.
Let us simplify the complexities and tailor solutions perfectly suited for you.
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