General Liability Insurance in West Des Moines, IA 

As a business, you may need to plan for unexpected accidents and unpleasant situations. Incidents that go beyond your company and employees, impacting customers, guests, passersby and other third parties, can be particularly problematic. In such scenarios, you may be responsible for compensating others for their losses while also facing potentially costly lawsuits. Planning ahead with suitable general liability insurance can make all the difference.

What is General Liability Insurance?

Also known as commercial general liability insurance, these policies are a common staple of many business insurance packages, potentially covering risks relevant to many industries and incidents that might befall companies of all sizes. Coverage may be available as a standalone policy, as well as through a business owners policy, which may be available to small- and medium-sized organizations.

What Does it Cover?

General liability insurance can provide financial assistance for many situations in which your business is responsible for other parties’ losses. Specifically, your policy will likely include coverage for the following:

• Bodily injuries—If someone is injured as a result of your operations, such as while visiting your business or because of a product you manufacture or distribute, your insurance may help pay for their medical bills and losses.
• Property damage—Should your business or employees cause damage to someone else’s property, such as while visiting their building or working on belongings they’ve left in your care, your policy could cover the cost of compensation.
• Personal and advertising injuries—In the event that your business causes personal injury or reputational harm, including through slander or libel, your insurance may cover legal expenses and damages.

Who Needs Coverage?

General liability insurance is one of the most commonly purchased types of business insurance and may be critical for companies of any size and across all sectors. While legal requirements can vary and may not apply to most businesses, some states or industries (e.g., contractors) may mandate coverage. Your organization could also be beholden to other mandates. For example, many commercial landlords may require tenants to carry coverage as part of their lease agreements. Alternatively, clients may refuse to work with uninsured businesses. As such, lacking general liability coverage could expose your company to extensive financial losses and limit its prospects.

How to Get General Liability Insurance Near Me

Contact McCartan Insurance Group today to discuss your coverage needs and find a policy tailored for your business.