We’re Your General Liability Insurance Quote Headquarters!
General Liability Insurance is valuable coverage that will provide you protection for legal liability from bodily injury or property damage sustained by a third party claimant (ex: Customer, Client, Visitor, Tenant) in the course of doing business. You can transfer certain risks to insurance companies, who will pay the sums your business becomes legally obligated to pay in a suit. Insurance carriers also have the duty and right to defend the insured when a claim is made. This is extremely beneficial, as the legal costs of defense tend to soar when cases go to trial.
General Liability Insurance can protect you from:
- Premises Liability: visitors injured or harmed while at your business location
- Operational Liability: injuries that occur to others because of the work performed by your business
- Products Liability: harm or injury caused by parties involved in the manufacturing of a food or product that threaten a consumer’s health or safety.
- Completed Operations Liability: property or injury that may happen once a project (ex: construction) has deemed to be completed
- Personal/Advertising Injury: offenses in connection with an insured’s advertising of its goods or services causing damage to a person reputation from false statements, invasion of privacy, or false arrest
MultiQuote has access to hundreds of general liability insurance carriers!
Whether you’re a new or existing business, we can help you obtain coverage at extremely affordable rates from several leading insurers in your industry.
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When do you need General Liability Coverage?
- You own a business location that is open to the general public.
- You lease a building could be held responsible for tenant actions.
- You are a manufacturer or distributor of products.
- You need proof of coverage before a client will allow you to begin work.
- You have employees or subcontractors who engage with the public.
How are General Liability premiums calculated?
Rates are usually determined by the following factors:
- Your type of business: A thorough description of your business operations helps identify the risks generally associated with it. Insurers will assign a classification code for your particular industry. A rate will accompany this code and be multiplied into one of the next two factors.
- Annual Gross Sales: This data helps measure the size and possible exposures of your company.
- Employee Payroll: This is another factor to measure a company’s risk and possibility of having a claim.
Longevity of a business and the implementation of loss control measures may also affect policy premiums.
What is a Premium Audit?
Insurance companies must accurately evaluate the exposure associated with each business it chooses to insure. One way to do this is through conducting premium audits on existing insurance policies. An auditor will review a company’s financials (payroll and/or revenue) at the end of a policy period, to verify the accuracy of the amount stated, at the time the policy was written. After an audit, if the actual amounts turn out to be higher, a company may incur additional premium. Conversely, if the amounts are less than estimated, a company could get a refund.
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*All quotes and service of your policy are provided by and placed through Vincent Agency Inc, d.b.a. Multi-Quote. Actual policies are issued through non-affiliated, admitted and non-admitted insurance companies. The language on this site is for informational purposes only and in no way defines or modifies any specific insurance contract. Please refer to your policy for specific coverage and details.