If you own a business in Carbon County, Balliet Gilmartin Insurance can protect your livelihood with the right business liability insurance policy for your needs. Our friendly, knowledgeable agents have assisted countless local small business owners over the past two decades and offer competitive prices on policies from the best major national carriers.
What is Business Liability Insurance?
If personal injury or property damage occurs as a result of your business operations, you may be held legally responsible for medical costs and other damages. Most general liability policies cover bodily injury, property damage, the cost of legal defense if your business is sued, medical expenses, advertising-related liability, legal judgments, data security, and supplemental payments.
If you have employees or hire contractors, you can also get coverage that protects against damages their actions cause. General liability policies typically do not cover employee injuries, vehicle use, business equipment and real estate, and damages caused by professional services. Many business owners opt to purchase a separate professional liability policy to cover the latter type of claim, as well as a commercial auto insurance policy if business transportation is required.
Why Do I Need This Type of Policy?
You need general liability insurance for your business if:
- You conduct business operations in any location owned by a third party.
- You represent a client’s business as part of your professional duties.
- You interact with customers at your own place of business.
- You have access to a client’s equipment, such as an IT network and devices.
You may also be required to show proof of liability coverage to be considered for a contract.
Contact our experienced agents today to learn more about insurance protection for your business. We are ready to explore your commercial needs and recommend the right coverage for your unique situation. You can also fill out our convenient online form to request a quote.