Foundational Protection for Your Business
General liability insurance helps protect your business if you're held responsible for injuries, accidents, or property damage that happen in the course of your work. If a customer slips and falls at your shop in Morehead, or if an employee accidentally damages a client's property on a job site, this coverage can help pay for medical bills, repairs, and legal defense. Many landlords, project owners, and contracts require proof of general liability insurance before you can sign a lease or start a job. We help businesses across Eastern Kentucky secure the right coverage and limits so they can operate with confidence.
What General Liability Insurance Covers
Bodily Injury to Others
Helps cover medical expenses, legal fees, and settlements if someone is injured due to your business operations. This often applies to slips, trips, or accidents at your location or job site.
Property Damage to Others
Provides coverage if you or your employees accidentally damage someone else's property while doing business. This can help with repair or replacement costs and related legal expenses.
Personal and Advertising Injury
Helps protect your business from certain claims related to libel, slander, or advertising mistakes. This can be important for companies with marketing or online presence.
Legal Defense Costs
Can help cover attorney fees and court costs for covered claims, even if a lawsuit is groundless. This support can be crucial for small businesses facing complex legal situations.
Contractual Requirements and Additional Insureds
Many contracts require you to carry general liability and list the other party as an additional insured. Your policy can often be structured to meet these requirements.
How We Build the Right Liability Policy
We start by understanding what your business does, where you operate, and who you serve. Then we look at your existing contracts, leases, or job requirements to determine the coverage and limits you may need. As an independent agency, we compare general liability insurance options from multiple carriers to find a balance between protection and affordability. Finally, we help set up certificates of insurance and additional insured endorsements so you're ready for landlords, clients, and project owners.
Optional Steps:
Comparing Liability Options for Your Business
General liability is a core protection, but it's often part of a larger liability strategy. This comparison can help you decide what makes sense for your company.
| General Liability vs Business Owner's Policy (BOP) | General Liability: Focuses on third-party injuries and property damage, and is often the first policy a business buys. | BOP: Bundles general liability with property coverage, ideal for many small businesses that also need coverage for their building or contents. |
| General Liability vs Professional Liability | General Liability: Addresses physical injuries and tangible property damage. | Professional Liability: Addresses financial losses from errors or omissions in professional services, often needed for consultants and service providers. |
| General Liability vs Umbrella Liability | General Liability: Provides baseline protection up to your selected policy limit. | Umbrella Liability: Sits on top of general liability and other policies to provide additional limits for larger claims. |
| General Liability for One-Person Businesses vs Larger Operations | One-Person Businesses: Policies can often be structured with lower minimums but still meet contract requirements. | Larger Operations: May need higher limits, additional insureds, and specialized endorsements for complex jobs. |
Conclusion Sentence: If you're unsure which type or level of liability coverage your business needs, we'll walk you through the options in plain language.
Common Questions About General Liability Insurance
Why do I need general liability insurance?
It helps protect your business from costly claims if someone is injured or their property is damaged because of your operations. Without it, a single incident could seriously threaten your finances.
How much does general liability insurance cost for a small business?
Costs depend on your industry, size, location, and claims history. We shop multiple carriers to find options that fit your budget while still offering strong protection.
Is general liability required by law in Kentucky?
It's not always required by law, but many landlords, lenders, and clients require it in contracts or leases. It's considered a foundational coverage for nearly every business.
Can a one-person business get general liability insurance?
Yes, even solo owners and independent contractors can, and often should, carry general liability coverage. Many clients will require you to show proof of insurance before hiring you.
Can general liability cover all of my risks?
No single policy can cover everything, which is why some businesses also need professional liability or umbrella coverage. We can help you understand where general liability fits into your overall protection.
Ready to Put Liability Protection in Place?
Don't wait for an accident or lawsuit to test your business. Contact us today for a fast general liability quote tailored to your Kentucky business and the contracts you rely on.
