How to Get the Business Liability Insurance You Need

Now, when it comes to business liability or general liability, this is the most common form of insurance coverage in the marketplace.

And almost a hundred percent of the time, a business has a general liability risk.

It doesn't mean every company purchases general liability. That's a business decision that has to be made by owners or executives, but ultimately every company has a general liability exposure.

This is slips, trips, and falls. Think about it that way. A third party, so other individuals or companies, entities, a third party bodily injury or property damage.

The policy, if it includes property damage, can come with a deductible if you choose. Some do, and some don't.

Depends on what industry you're in, what your coverage covers, and how big your business is, but ultimately you have exposure, and that's what it covers.

Find the right insurance agent

How do you find the best general liability for your company? Find the right agent. Find the right insurance agent. If it's us, that's amazing, but if not, it's someone else, that's fine too.

For your business, find the right agent and then be very transparent with that agent.

This is a tough one because I think a lot of business owners feel like if they don't say everything they're doing, if they're tightlipped about what they have going on, that's going to save them money.

But the problem is that also creates exposures and gaps in coverage.

Where a company may think they're providing you with the perfect general liability policy, but you didn't tell them about something you did, and it's not covered.

And now your business is at risk and exposed, and that's the last thing we want to see happen.

What's important is that you're very honest and transparent with an agent you trust, and then that agent can go out to the market and find the right carrier to meet your exposures.

It doesn't always mean it's going to be more expensive. In some cases, it may mean it's less expensive because now that the agent understands what's going on, they can find the right carrier for you.

So, to get the right business liability or general liability for your company, be very open and honest, and transparent with an insurance agent that you trust.

An independent agent can then go out to the market and find the right carrier for your business.

That's how you get the right business liability for your company.

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The Rub

You need to make sure you have the right business liability insurance in place to protect your company.

Not all businesses are the same, so it's important to understand what kind of coverage you need.

Speak with an insurance agent to get started on finding the right policy for your business.

This is where we come in at Rogue Risk.

If your current insurance professional has never addressed issues like this with you before, I’d encourage you to reach out to us today.

• You can call or text us at 518.960.6600
• Click here to contact us via email.

I look forward to introducing you to a new way of viewing your insurance program.

Thank you,

Ryan Hanley