General liability insurance

General liability FAQs

• How much does a general liability insurance policy cost? How do I know how much coverage my company needs?

  We help owners like you determine the right insurance policy that balances the best combination of price and protection for your business—from product liability and cyber liability to errors and omissions. The cost and rate of a general liability insurance policy is based on your unique business risks and coverage requirements.

  Call us for more information or find a local insurance agent to get started on your personalized quote.

• If we already have business liability insurance, why would I need commercial umbrella coverage?

  Basically, commercial umbrella liability insurance picks up where your primary liability policy leaves off. Suppose a customer gets injured by one of your products. Your company ends up in a lawsuit with damages you owe. Your primary liability policy can provide coverage up to the limits specified in your policy, but if that's not enough, an umbrella liability policy can assist with covering the remaining balance, up to your umbrella policy limits.

• We’re concerned about hackers breaking in to our company database. How can you help?

  In today’s tech-driven world, we share your concerns. The confidential data that you store electronically is an additional business risk that needs protection. While managing the risk can’t eliminate the possibility of a cyber crime, our cyber liability insurance will help cover you if your company’s confidential data is compromised. We can provide privacy breach response services, such as computer specialists, legal advice, and credit monitoring services.