Commercial general liability is the first line of defence against many common problems. It protects you against claims of bodily injury, other physical injury and property damage.

Commercial liability insurance is frequently offered with property insurance to protect your business against incidents that occur on your premises. It also allows you to continue operating if you are involved in a negligence or wrongdoing lawsuit.

You may obtain a commercial insurance quote from your insurance broker, who will also alert you to the limits of certain types of coverage. For example, commercial general liability only protects against some business liabilities, not all.

The due diligence you pay in researching commercial liability insurance policies may lead to pleasant surprises.

Small- and medium-sized businesses are often classed as “low-risk” by insurance carriers, meaning you may be eligible to purchase a low-cost package of policies that protect you from property damage or bodily injury, safeguard your physical assets or even cover lost income and expenses.

The more you talk with your insurance broker, the more your commercial insurance policy will be tailored to suit your specific needs.

Every business benefits from adequate commercial business liability insurance, whether it’s a joint venture or partnership, whether you have branch offices or are a mom-and-pop firm.

The bottom line is that commercial business liability insurance is designed to do one thing extremely well: keep you in business.