General Liability

With Locations in Sterling Heights and Almont, Michigan

Begin General Liability Insurance Quote Request

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

What is general liability insurance for small business?

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

What does commercial general liability insurance cover?

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
Property Damage coverage for the physical damage to property of others or the loss of use of that property
Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
Contractual Liability extends to any liability you may assume by entering into a variety of contracts
Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

To help navigate your coverage choices, depend on First Independent-Descamps, your “Independent Agent”, to not only fully explain these important coverages, but will find the best rates among the several insurance companies we represent. Call us at (888) 513-8784 to get started today.

section divider