General Liability Insurance
General Liability Insurance Quote Forms
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General Liability Insurance Information
General Liability Insurance for Businesses Throughout Virginia
Among all of the possible business insurance policies available for your business, general liability insurance is one of the most important. Accidents and lawsuits can hit a business unexpectedly and cost thousands or even millions of dollars.
Hardy Insurance Agency works closely with business owners to tailor general liability policies with the best coverages for your business’ needs. Every company is different, and we are dedicated to pairing you with a policy that protects your business without breaking the bank.
What Does General Liability Insurance Cover?
General liability insurance covers accidents of bodily injury and property damage that occur through the business’ everyday activities. This insurance can cover the expense of property repair and replacement, medical bills and legal fees in case the business is sued.
Other types of general liability include:
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Personal and Advertising Injury: Personal and advertising injury covers claims regarding libel, slander, false arrest, malicious prosecution, wrongful eviction, copyright infringement and more. For example, if your business’ social media posts a status update that could be interpreted as shaming a rivaling company, they may be able to sue you for libel.
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Products Liability: If your business provides products, product liability insurance can cover expenses related to claims of bodily injury, property damage or financial loss that may be caused by your products.
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Products-Completed Operations: This insurance is specific to products completed by contractors in case of bodily injury, property damage and financial loss.
There are other types of liability insurance that can be added to your policy and tailored for your business’ unique needs. This may include Liquor Liability, Borrowed Equipment Liability, Water Damage Liability Protection and more.
We also offer Commercial Auto Insurance, Workers Compensation and more business insurance policies that combine general liability insurance with other coverages.
Protect Your Business with Hardy Insurance Agency
General liability insurance can protect your business from unexpected claims. Get an affordable general liability insurance policy today and consider bundling it into a business owner’s policy. Call Hardy Insurance Agency at 703-503-3100 | 703-820-3100 or fill out an online quote form to get started.
Common General Liability Insurance Questions
Where general liability covers accidents of non-professional negligence, professional liability covers professional negligence that may cause a direct financial loss to your clients. For example, if you or your employees offer a specialized service such as financial assistance, a mistake can lead to your client losing money, which can result in a lawsuit.
General liability insurance is relatively inexpensive on its own, though the price depends on a variety of factors. On average, a small business may pay around $53 a month depending on their location, industry, claims history and more.
General liability insurance premiums are calculated based on your business’ location, industry, size, claims history, credit score and more. Call Hardy Insurance Agency to find out how much your business can save on general liability insurance.
Essentially every business needs general liability insurance. Accidents and lawsuits are common in practically every industry, so make sure your business is protected by general liability insurance before opening its doors.
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