The foundation of every business insurance program.
Protect your team. It's the law in most states.
- Bodily Injury
General liability covers their medical expenses, your legal defense costs, and any settlement — up to your policy limits.
- Property Damage
Your policy covers the cost to repair or replace the damaged property, plus legal fees if the claim escalates.
- Personal & Advertising Injury
General liability covers defense costs and damages for claims of libel, slander, copyright infringement, and false advertising.
- Medical Expenses
Workers' comp pays for emergency care, surgery, physical therapy, prescriptions, and ongoing treatment related to the workplace injury.
- Lost Wages
Your policy replaces a portion of the employee's lost income during their recovery period.
- Employer Liability
The employer liability portion of workers' comp covers your legal defense and any damages if an employee sues beyond the standard benefits.
Nearly every business needs general liability insurance. If you interact with customers, work on client property, or have a physical location, you're exposed.
If you have employees, you almost certainly need workers' compensation. Most states require it by law, and going without it exposes you to severe penalties.
A delivery person slips on your wet floor and sues for $150,000 in medical bills and lost income.
Without general liability, you pay every dollar out of pocket — legal fees, medical costs, and the settlement. For many small businesses, a single uninsured claim means closing the doors.
A warehouse worker injures their back lifting heavy inventory. Medical bills total $85,000, and they can't work for three months.
Without workers' comp, you're personally liable for every medical bill and lost wage claim. Depending on the state, penalties can include substantial fines and even criminal charges for operating without required coverage.
A plumbing contractor accidentally floods a client's finished basement while repairing a pipe. The homeowner files a claim for $40,000 in water damage restoration.
The contractor's general liability policy covers the restoration costs and legal fees, keeping the business solvent and the client relationship intact.
A restaurant cook suffers a severe burn from a grease fire. They need skin grafts and six weeks of recovery time.
Workers' compensation covers the surgery, rehabilitation, and partial wage replacement — protecting both the employee and the restaurant from financial ruin.
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Contact us for exclusion details
Contact us for exclusion details
Pricing varies by business
Pricing varies by business