General Liability

Business proprietors and contractors require general liability (GL) insurance as a crucial safeguard for their financial well-being. A single unexpected mishap could trigger a lawsuit that has the potential to jeopardize your business’s existence, unless you have robust liability coverage in place.

GL insurance serves as a bulwark against a range of claims that may emanate from your business activities, encompassing bodily injury, property damage, and personal injury.

Coverage under General Liability Insurance:

General liability coverage can be integrated into a business owner’s policy (BOP) or structured as a standalone form of coverage. It offers protection against an array of risks inherent to business operations, including:

Property Damage and Bodily Injury: This facet of coverage shields your business against claims asserting bodily injury or property damage caused by your operations or products.

Damage to Rented Premises: If your business occupies rented premises, GL insurance extends protection against damage to those premises resulting from incidents like fire, lightning, or explosions.

Medical Payments: In cases where an individual sustains an injury on your business premises, general liability insurance can help mitigate claims for medical treatment expenses.

Advertising Errors: This insurance safeguards your business against claims tied to your advertising of goods, services, or products.

Harm to Reputation: GL insurance also provides coverage against claims involving slander, libel, wrongful eviction, malicious prosecution, and infringement of the right to privacy.

Determinants of General Liability Insurance Costs:

The cost of general liability coverage for your business is contingent on several factors, including: Type of Business: The nature of your business plays a significant role, as certain industries inherently carry higher risk exposure than others.

Number of Employees: The size of your workforce can impact the cost, as a larger team might present more potential liability scenarios. Level of Risk Exposure: The extent of risks associated with your business activities also influences the cost of coverage.

Location of Business: The geographic location of your business can affect rates, as some regions may pose higher risks than others. Certain businesses, by virtue of their operations, inherently carry higher risk profiles. At

Klinger Insurance Group in Germantown, Maryland, our agents are adept at assisting you in securing comprehensive general liability coverage tailored to your business needs. Our primary focus is to identify the optimal level of protection at the most competitive rates.

Getting Started on Your Quote:

To commence the process of obtaining your quote, you can either call our office or visit our quotes page online.

Either way, we strive to make the process as straightforward as possible!