Commercial General Liability in Shelton and Stratford, CT

General liability insurance, also called business liability insurance, can help protect your business from the financial effects of accidents and unexpected events. Contact AJ Gambardella in Stratford, Connecticut, to learn more about this crucial form of business insurance and get a quote.  

What Is General Liability Insurance?  

General liability insurance provides three main types of coverage: 

• Property damage insurance helps pay to repair or replace third-party property after damaged caused during everyday business activities. 
• Bodily injury insurance helps pay medical bills and may help cover legal fees if an accident on your property results in third-party injuries. 
• Personal/advertising injury coverage helps pay costs associated with personal injury and advertising injury accusations and also typically includes coverage for libel, slander, invasion of privacy and copyright infringement.  

Companies need general liability insurance to help address their financial liability after an accident causing third-party injuries or property damage. Your agent can help evaluate your company’s risks and determine whether general liability coverage may meet your needs.  

How Much General Liability Insurance Does My Business Need?  

Each company faces risks unique to its industry. Having general liability insurance for nearly every organization is crucial, but you may also need other insurance policies to help provide appropriate protection.  

Your agent may recommend that you extend your liability coverage with an umbrella insurance policy. This coverage kicks in when a claim exceeds the limits of your other liability policies to help limit the financial impact on your company.  

How Much Does Business General Liability Insurance Cost?  

General liability insurance premiums vary due to a number of factors. Insurers use advanced algorithms to help determine your premiums. They use various information about your company and your policy, including: 

• Company size
• Industry
• Location
• Coverage amounts and deductibles
• Claims history 

Get General Liability Insurance for Your Business  

Nearly every business could benefit from having general liability insurance. However, your company may need more than this basic policy. Talk with AJ Gambardella to learn more about business insurance policies that can help protect your organization’s future financial well-being.