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Uncertainties are a way of life for small business owners. Regardless of how well planned or organized you are as an entrepreneur, it is impossible to predict all the things that can happen to you and your company in a single business day. Ensuring your financial assets are protected with general liability insurance for a small business is a savvy move toward safeguarding your dream.

Value One provides commercial general liability insurance to protect business owners from liability claims made by employees, vendors, and customers. Value One’s liability protection is comprehensive and covers claims related to bodily injury, property damage or loss, and even contractual liability.

No matter how careful you are in how you operate your business, unexpected events and undesirable lawsuits are an everyday risk. Consider these common situations:

  • A customer slips while shopping at your retail store and claims they are injured.
  • A customer claims they were harmed while using your product.
  • During a visit to a client’s location, one of your employees damages the client’s property and the cost for repairs is significant.

Small business general liability insurance from Value One provides protection for you and your employees. For example, if a customer slips and falls and files a liability suit, you are protected for the costs related to litigation, court fees, judgments, and even out-of-court negotiated settlements.

Ready to protect your business with general liability insurance?

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General Liability

Uncertainties are a way of life for small business owners. Regardless of how well planned or organized you are as an entrepreneur, it is impossible to predict all the things that can happen to you and your company in a single business day. Ensuring your financial assets are protected with general liability insurance for a small business is a savvy move toward safeguarding your dream.

Value One provides commercial general liability insurance to protect business owners from liability claims made by employees, vendors, and customers. Value One’s liability protection is comprehensive and covers claims related to bodily injury, property damage or loss, and even contractual liability.

No matter how careful you are in how you operate your business, unexpected events and undesirable lawsuits are an everyday risk. Consider these common situations:

  • A customer slips while shopping at your retail store and claims they are injured.
  • A customer claims they were harmed while using your product.
  • During a visit to a client’s location, one of your employees damages the client’s property and the cost for repairs is significant.

Small business general liability insurance from Value One provides protection for you and your employees. For example, if a customer slips and falls and files a liability suit, you are protected for the costs related to litigation, court fees, judgments, and even out-of-court negotiated settlements.

Ready to protect your business with general liability insurance?

Find out how much we Value your partnership.

When you partner with Value One, you gain access to exceptional customer service and knowledgeable advisors who are dedicated to you.

What is Protected by Commercial General Liability Insurance?

Every business owner faces risk in the daily operations of their company. Plus, in today’s increasingly litigious environment, sometimes companies face lawsuits even when they have not done anything wrong.

Value One offers broad protection for your business and livelihood. This includes shielding you against claims made by others alleging property damage, financial losses, and bodily injury caused by your products, services, or other operations of your business.

Commercial general liability insurance covers a wide range of claims including:

  • On-site falls and accidents that result in bodily injury or require medical treatment
  • Actions by employees or licensed contractors hired by your company
  • Personal injuries sustained by employees
  • Product liability claims
  • Contractual liability claims
  • Advertising errors or claims of false or misleading advertising
  • Libel, slander, and claims of reputational harm

General liability insurance also covers you from claims of damage to rented facilities whether by accident or due to fire, explosion, or weather-related events such as lightning.

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Which Professions Should Consider Commercial General Liability Insurance?

There are countless situations that make your small business vulnerable to liability claims. If your business requires you interact with clients in person at their location or on your premises, you are at risk for a liability claim. If you service a client’s computer equipment or IT network, there’s a chance you’ll face a liability claim. Additionally, in some cases, your company may be required to carry general liability insurance in order to enter into a contractual agreement with another party.

Commercial general liability insurance protects you in the event situations like these arise throughout the course of conducting business. Having an adequate amount of coverage means you don’t have to worry about medical expenses, legal fees, and other expenses that come from liability claims.

If you are part of any of the following industries or professions, you should strongly consider getting general liability insurance for your small business:

  • Retail stores
  • Professional Services Providers (consultants, bookkeepers, accountants)
  • Law Firms
  • Real Estate Firms and Property Management Companies
  • Hospitality (motels, hotels, lodges, bed & breakfast)
  • Food Service Companies (caterers, restaurants)
  • Technology firms including IT service providers
  • Non-Profit Organizations
  • Contractors
  • Manufacturing Companies

No matter what type of small business you operate, Value One’s insurance specialists guide you to the general liability coverage that best meets your needs. We’ll walk you through the process of risk assessment and determining what aspects of your small business requires protection. Then we’ll design an affordable insurance package that’s tailor-made for you.

Our flexible approach makes it easy to adjust your level of coverage as your company changes and expands.

Call us at 855-248-5050 or complete the form below to take the next step toward your business goals.
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