It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess and surplus liability insurance provider. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then your business will easily qualify for general liability insurance from our huge selection of preferred carriers.
General Liability | Bill Joe Murphy Insurance Services
Read moreIt is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess and surplus liability insurance provider. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then your business will easily qualify for general liability insurance from our huge selection of preferred carriers.
General Liability | Bill Joe Murphy Insurance Services
General liability insurance protects your business from a variety of things. Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverages are often included with general liability:
- Business Personal Property (BPP)
Protection of your business' property from:
- Fire
- Theft
- Vandalism
- Claims due to:
- Bodily injury
- Property Damage
- Terrorism coverage
- And more….
For all intents and purposes, you simply can't do business without a General Liability policy in place. Without this vital coverage, your small or medium-sized business would be liable for any damage or injuries stemming from a product or service your company provided.
This means you could be liable for injuries resulting from slips and falls, construction defects, faulty packaging, broken seals, spoiled goods, misleading advertising, slips, accidents, or freshly mopped floors. When you consider any one of these contingencies could result in a multi-million dollar lawsuit, you can begin to see how vital General Liability Insurance is. General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like E &O (Errors & Omissions Insurance or EPLI (Employers Practices Liability Insurance).
Contact Bill Joe Murphy Insurance Services for information on any of the business insurance lines we offer.
As one of the area's most trusted insurance agencies, Bill Joe Murphy Insurance Services is committed to serving all of the diverse insurance needs of our customers— we strive to provide our customers with the highest quality coverage/protection they need and deserve.
At Bill Joe Murphy Insurance Services we take the time to truly recognize your insurance needs so that your personal assets are protected at the most competitive rates—and most importantly, our comprehensive solutions cover a wide range of risk.
Discounts that could significantly lower your insurance premium are not the only reason to place your insurance policies with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs. We'll show you what coverage may be available and how to get the personalized protection you need. The fact is that things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle. You have worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price and provided by an experienced agent who fully understands your needs.
Bill Joe Murphy Insurance Services wants to be here for you to meet all of your insurance needs. Our extensive experience has enabled our dedicated agents to manage multiple policy lines all while saving you valuable time and money.