Commercial General Liability Insurance


To be protected from financial losses due to property damage or personal injuries caused by their services, businesses need to have a commercial general liability insurance policy. It is the most common insurance policy for small companies, independent contractors, and startups.

Accidents happen when they are least suspected, which is why we offer general liability programs to help small businesses and contractors be prepared for worst-case scenarios.

What does general liability insurance cover?

Our general liability programs protect businesses against injuries to the public that occur on their premises, and they also cover damage that may be caused to the property of other individuals (not including automobiles). They can also provide protection in the event that businesses have to defend an accusation of libel or slander.

Bodily Injury and Property Damage Coverage

Bodily injury coverage protects a business when a customer, client, or patron is injured on the business’s property. It also covers injuries sustained on the customer’s property if the injuries occurred because of negligent acts of employees during business operations. This coverage policy treats mental injuries and distress as bodily injuries, even if no physical bodily harm is detected. Under the bodily injury coverage, medical and legal expenses will be covered if the customer decides to sue.

Commercial general liability insurance also covers third-party property damage. Suppose a business owner or employee forgets to turn off a water source after a job is completed and damage to the customer’s home is done. In that case, the policy will help cover the expenses to repair the property damage.

Personal and Advertising Injury Coverage

If someone sues a business over libel, slander, or copyright infringement, general liability insurance will help pay legal expenses. For example, suppose a company runs an ad with an image they did not properly source, and the rightful owner sues them. In that case, the insurance policy will help the business pay for a defense attorney and other legal fees.

Medical Payment Coverage

If a customer or client is injured on a commercial property or during business operations, the business may have to pay the customer’s medical bills regardless of fault. For example, a customer may slip on a business’s recently mopped floors and break their arm. If they ask the company to pay their medical fees, the policy will help cover these expenses.

Does Every Small Business Need Commercial General Liability Insurance?

Every business is different, but most small businesses and independent contractors benefit from commercial general liability insurance. The company will want to consider purchasing general liability insurance if:

  • They have a public location
  • They rent or use commercial property
  • They regularly interact with customers or clients
  • They handle customer property

While it is not typically required by law, many states mandate having general liability insurance for specific industries. Plus, landlords, clients, customers, and mortgage companies often ask to see a certificate of insurance to ensure they will not be stuck paying for the costs of lawsuits against a company. For these reasons, it’s highly recommended that companies and contractors get general liability insurance.

Need Coverage for Your Business? USMC Insurance Can Help

Whether you need one specific type of commercial general liability insurance coverage or a combination of programs, our team of experts can help create a customized plan that fits your clients’ needs. Looking for hired & non-owned auto insurance? We do that, too! Contact us today to discuss your client’s need for general liability coverage.

commercial general liability insurance

Commercial General Liability Insurance


To be protected from financial losses due to property damage or personal injuries caused by their services, businesses need to have a commercial general liability insurance policy. It is the most common insurance policy for small companies, independent contractors, and startups.

Accidents happen when they are least suspected, which is why we offer general liability programs to help small businesses and contractors be prepared for worst-case scenarios.

What does general liability insurance cover?

Our general liability programs protect businesses against injuries to the public that occur on their premises, and they also cover damage that may be caused to the property of other individuals (not including automobiles). They can also provide protection in the event that businesses have to defend an accusation of libel or slander.

Bodily Injury and Property Damage Coverage

Bodily injury coverage protects a business when a customer, client, or patron is injured on the business’s property. It also covers injuries sustained on the customer’s property if the injuries occurred because of negligent acts of employees during business operations. This coverage policy treats mental injuries and distress as bodily injuries, even if no physical bodily harm is detected. Under the bodily injury coverage, medical and legal expenses will be covered if the customer decides to sue.

Commercial general liability insurance also covers third-party property damage. Suppose a business owner or employee forgets to turn off a water source after a job is completed and damage to the customer’s home is done. In that case, the policy will help cover the expenses to repair the property damage.

Personal and Advertising Injury Coverage

If someone sues a business over libel, slander, or copyright infringement, general liability insurance will help pay legal expenses. For example, suppose a company runs an ad with an image they did not properly source, and the rightful owner sues them. In that case, the insurance policy will help the business pay for a defense attorney and other legal fees.

Medical Payment Coverage

If a customer or client is injured on a commercial property or during business operations, the business may have to pay the customer’s medical bills regardless of fault. For example, a customer may slip on a business’s recently mopped floors and break their arm. If they ask the company to pay their medical fees, the policy will help cover these expenses.

Does Every Small Business Need Commercial General Liability Insurance?

Every business is different, but most small businesses and independent contractors benefit from commercial general liability insurance. The company will want to consider purchasing general liability insurance if:

  • They have a public location
  • They rent or use commercial property
  • They regularly interact with customers or clients
  • They handle customer property

While it is not typically required by law, many states mandate having general liability insurance for specific industries. Plus, landlords, clients, customers, and mortgage companies often ask to see a certificate of insurance to ensure they will not be stuck paying for the costs of lawsuits against a company. For these reasons, it’s highly recommended that companies and contractors get general liability insurance.

Need Coverage for Your Business? USMC Insurance Can Help

Whether you need one specific type of commercial general liability insurance coverage or a combination of programs, our team of experts can help create a customized plan that fits your clients’ needs. Looking for hired & non-owned auto insurance? We do that, too! Contact us today to discuss your client’s need for general liability coverage.

General Liability Programs Offered


Janitorial Insurance

  • Includes commercial and residential programs
  • Ability to write specialties, including construction clean-up and marble, metal, and wood restoration and maintenance
  • Excludes fire/water restoration and exterior window washing above ground level
  • $15K minimum premium
  • Ability to write in NY, including Action Over coverage
Trucking Insurance

  • Includes local and long-distance programs
  • Rates based on gross sales
  • $5K minimum premium
  • Ability to write in NY, including Action Over coverage
Movers Insurance

  • Includes commercial and residential programs for moving and storage
  • $5K minimum premium
  • Ability to write in NY, including Action Over coverage
Flooring Installer Insurance

  • Includes wood, carpet, and tile installation and showrooms
  • Ability to write in NY, including Action Over coverage
Ornamental Steel Insurance

  • Includes metal shops; ornamental, artistic, decorative, and non-structural steel installation; staircase, dunnage, and railings
  • $10K minimum premium
  • Ability to write in NY, including Action Over coverage
Waste Haulers Insurance

  • Includes commercial and residential programs and roll-off container services
  • Ability to write specialties, including junk removal and document shredding
  • $5K minimum premium
  • Ability to write in NY, including Action Over coverage
Glaziers & Window/Door Installer Insurance

  • Includes interior window installers/glaziers, curtain wall, façade systems, and storefront glass installation
  • Excludes exterior installations exceeding two stories or 24 ft.
  • $20K minimum premium
  • Ability to write in NY, including Action Over coverage
Landscape Insurance

  • Includes commercial and residential programs
  • Ability to write specialties, including hardscaping and rooftop landscape/gardening
  • Excludes tree removal
  • $15K minimum premium
  • Ability to write in NY, including Action Over coverage
Fire Suppression Insurance

  • Includes wet and dry coverage for installation and service of fire suppression systems; fire extinguisher tagging and inspection
  • Excludes plumbing that is unrelated to fire suppression systems
  • $15K minimum premium
  • Ability to write in NY, including Action Over coverage

Limits


  • $1,000,000 per occurrence

Documents


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Contact

USMC Insurance

P.O. Box 323

Tylersport, PA 18971

(215) 647-9600

Underwriting Services Management Co
 

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