General Liability Insurance in West Des Moines, IA
As a business owner, one of the most impactful ways to protect your business financially is by having general liability insurance. General liability insurance may give you the financial support you need if your business is found liable for claims involving bodily injuries or property damage resulting from your products, services or operations.
What Is General Liability Insurance and Why Is It Needed?
General liability insurance is a policy that helps protect businesses from third-party liability and/or property damage claims. Without general liability insurance, a business may have to pay for costly claims out of pocket. These claims could also damage your business’s reputation and financial stability.
What Does General Liability Insurance Cover?
General liability insurance typically includes the following four coverages:
1. Third-party bodily injury coverage may help pay for medical bills if someone is injured in your place of business.
2. Product liability coverage can help pay for costs associated with selling a product that injures a customer or causes damage to their property.
3. Third-party property damage coverage may help pay for expenses if you or your employee damage someone else’s property.
4. Libel, slander, copyright and advertising injury coverage may help cover defense costs if you are sued for harming a third party’s reputation or making false claims.
Does Your Small Business Need General Liability Insurance?
Most businesses can benefit from having general liability insurance. You should consider general liability insurance if your business does any of the following:
- Has client meetings on the property of your business
- Has access to customers’ property or belongings
- Uses third-party locations for business-related activities
- Requires coverage to earn business
How to Get General Liability Insurance in West Des Moines, IA
Contact McCarten Insurance Group to discuss your insurance needs. We can help you get general liability insurance based on your business’s size, industry, geographic location and risk potential.