Commercial insurance > General Liability Insurance

What is general liability insurance?

General liability protects your business against claims for bodily injury and property damages to others. Without general liability insurance, your business would have to pay these claims out of pocket. This could create an unexpected financial impact on your business.

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NationOne Insurance
37 Gerardine Place
New City, NY 10956

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General Liability Insurance

What does general liability cover?

When covered with general liability insurance, your business would be protected against claims for:

Property Damage
Bodily Injury
Reputation Harm
Advertising Injury
Why NationOne Insurance?

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NationOne stands as a beacon for renters in search of a trusted insurance partner, offering a suite of solutions that align with the unique challenges of rental living. Our commitment to personalized service transforms the insurance process, making it as comfortable as your favorite room. From the moment you explore your policy options to the swift support in times of need, our team is by your side, ensuring that your rental journey is backed by a strong, supportive insurance ally. With NationOne, you’re not just covered; you’re cared for, with policies that reflect our deep understanding of what it means to make a rental feel like home.
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General Liability Insurance

Who needs general liability insurance?

These are some of the top common professions that would need general liability’s insurance.

Automotive

Auto Detailing Auto MechanicGarage Insurance

Arts & Entertainment

PhotographerVideographer

Restaurant & Food

Bakery Catering & Food Vendor Food Truck Pizza Delivery Restaurant

Skilled Trades

rborist Contractors Carpenter Construction Electrical Contractor General Contractor Handyman Home Improvement HVAC Technician Landscaper Mason Painter Plumber Roofing Snow PlowTree Service

Health & Wellness

Acupuncturist Gym Massage Therapist Personal Trainer Pilates Instructor Health Spa Yoga Instructor

Personal Care & Beauty

Barber Esthetician Hair / B Beauty Salon Nail Salon

Professional Firms

Accountant & CPAC Consultant Insurance Agent IT / Technology Lawyer Real Estate Agent

Engineering

Architect Engineer

Services

Cleaning Service Delivery & Courier Dry Cleaning / LLaundry Event Planner Funeral Home Inspector Janitor Life Coach Nonprofit Pet / DDog Groomer

Miscellaneous

Candle Making Church & Religious Organizations Distributors & Wholesale E-commerce Florist Home Based Manufacturing Retail

Theft and Burglary Coverage
Fire and Smoke Damage Protection
Water Damage Recovery Options
Vandalism and Malicious Mischief
Electrical Surge Damage Coverage
High-Value Items Special Protection
Accidental Damage to Property
Worldwide Personal Property Coverage
Frequently Asked Questions

Your Questions Answered

Explore our FAQ section for quick answers to common questions about NationOne’s insurance services. From coverage specifics to policy customization and claims, this resource simplifies your insurance journey, providing the insights you need to make informed decisions.
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Why is general liability insurance needed?

Liability insurance coverage protects your business from costly general liability that can happen during normal business operations. You may also need proof of herbal liability insurance from your clients. Many clients want to confirm that they will be protected in case of any accidents. They would usually request proof prior to signing any contracts. For example, if you are a contractor and will be working on someone’s property, they may request a certificate of liability.

What does a general liability policy not cover?

General liability usually covers a wide variety of things, but they do not cover everything. In general, the things that are not covered would need another type of coverage to give your business more coverage. Somethings that may not be covered are commercial auto accidents, employee injuries or accidents, damage to property, and professional mistakes or errors. Also purposeful wrongdoing or illegal acts.

Is general liability insurance required by law for my business?

State laws do not require a business to carry general liability insurance. Even though they do not require it, it’s still a great idea to have liability insurance coverage. If a customer sues you and you are not covered, it could put your business at risk financially and your personal assets at risk as well.

What types of events does general liability typically cover?

When your business is covered by general liability insurance, it generally covers:

 

judgments or settlements made against your business from a lawsuit.
Defense costs to defend your business against a lawsuit made against your business.
An employee accidentally damaged a client's floor while working in their home.
A customer is slipping and falling in your business and requires medical treatment.

How much does general liability business insurance cost?

Cost generally depends on the industry and the terms of your policy. Some key factors that are taken into consideration are:

 

Risk exposure: the industry you operate in.

 

Risk management efforts: precautions taken to guard against risk. For example, if you do trainings for your employees. Another example is if you have a security system installed in your business.

 

Location: Rates can be based on your state and geographical location of your business location.

 

Business Stability: The amount of years you have been in business for.

 

Claim History: In many cases, having previous liability claims will result in higher premiums.

How does commercial general liability insurance differ from professional liability insurance?

Commercial liability insurance protects your business against bodily injury, property damage, and persons advertisement injuries. On the other hand, professional liability insurance protects businesses and individuals against claims made by customers or clients for wrongful acts that result in financial loss.

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