General Liability Insurance

Business Insurance for Small Businesses Across Columbus, Cleveland and Cincinnati, Ohio 

Among the many common risks that businesses face day in and day out, lawsuits are one of the most frequent—and can be some of the most devastating. A single lawsuit could drain your small business’ savings and send you into a world of financial trouble. 

ProtectALL Insurance helps business owners throughout Ohio and across industries to provide general liability insurance for reliable protection at competitive prices. We will help you tailor a policy suited for your business, no matter what dangers appear. 

What Does General Liability Insurance Cover? 

General liability insurance covers non-professional negligent acts. This means that it covers normal accidents that may occur during everyday activity for the business that is not related to a professional or specialized service. 

General liability insurance covers three main areas: 

• Bodily Injury: Bodily injury provides compensation to victims who are injured on your business’ property, such as helping with medical bills, disability benefits and more. 
• Property Damage: Property damage provides compensation for those whose property is damaged on your business’ property or due to the business’ everyday activities.  
• Personal and Advertising Injury: Personal and advertising injury covers claims against your business concerning libel, slander, copyright infringement, invasion of privacy, theft of an advertising idea and more. 

The other side of this insurance covers the legal expenses a business may face due to the above claims. This includes coverage for court fees, settlement costs, defense costs and more. 

Is General Liability Insurance Required? 

General liability insurance isn’t generally required by state or federal law. You may be required to purchase this insurance to operate in certain industries or obtain certain licenses, however. Be sure to check the requirements of your industry and get the insurance that helps you operate seamlessly. 

Additional Liability Options 

General liability insurance isn’t the only liability coverage available. There are different liability insurance policies to cover various issues of liability in your industry, including: 

• Professional Liability 
• Liquor Liability 
• Umbrella Liability
• Products Liability
• Directors and Officers Liability 

 

Get General Liability Protection Now 

Get the general liability insurance policy your business needs and deserves. Call ProtectALL Insurance at 833-377-6832 or fill out an online quote form to get started today. 

Common General Liability Insurance Questions 

When Do I Get General Liability Insurance? 

Ideally, you should have a general liability insurance policy in place before opening your doors for customers. In some cases, you may need general liability before beginning operation due to licensing requirements. 

How Much Does General Liability Insurance Cost? 

General liability insurance premiums vary depending on your location, industry, size of the business, coverage limits and other factors. Fill out an to find out how much you can save on general liability insurance today. 

How Much General Liability Insurance Coverage Do I Need? 

Your business’ general liability needs may differ from others. Speak with an insurance agent about getting the proper coverage for your business today. 

As a small business, you need to know your company’s level of risk and have suitable liability coverage. As your business’s operations evolve, you may also want to increase your protection with additional policy endorsements that can cover other types of claims, such as employment practices, cyber-attacks or other risk exposures. We can help you explore a general liability insurance policy that meets your needs now and can grow with your business.

What Is General Liability Insurance for Contractors?

Contractors, like other small business owners, can be sued and held liable for damages. A general liability insurance policy can protect contractors and their businesses, helping them to cover legal fees and damages if they’re involved in a lawsuit. In addition, clients may require this coverage before they sign a contract, and many states require specific industries, such as construction, to have coverage.