Call Us (504) 556-0809 ☰ ˟
Logo
Español
New Orleans: (504) 556-0809 River Parish: (985) 331-9077
  • Home
  • Coverage
    • Automobile
    • BOP (Business Owners Policy)
    • Business & Commercial
    • Commercial Auto
    • Contractors
    • Cyber Liability
    • Dental
    • Flood
    • General Liability
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
    • Windstorm
    • Workers Compensation
  • Get A Quote
    • Automobile
    • Business
    • Flood
    • Health
    • Homeowners
    • Life
    • Recreational Vehicle
    • Renters
    • Windstorm
  • Customer Service
  • Blog
  • Make A Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Homeowners Insurance in Louisiana: How to Save on Soaring Costs
  • About Us
    • About Dave Millet Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More

Contractors

We browse through a wide variety of coverages and find the right one for you.

Learn More

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More

Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > How to Know if You Need General Liability Insurance
THURSDAY, FEBRUARY 2, 2023

How to Know if You Need General Liability Insurance

Every business is different, meaning your insurance needs may not be the same as another business’ even in the same industry. Knowing what type of business insurance you need is just as important as knowing when you need to purchase it. finger on business

General liability insurance is one of the most common and useful types of commercial insurance policies. This insurance covers three main areas: 

  • Bodily Injury: Bodily injury under general liability insurance covers injuries third parties may face on your business’ property. For example, if a visitor slips and falls in your store, general liability insurance can help cover their medical bills. It can also provide your business with compensation for a related lawsuit. 
  • Property Damage: Property damage under general liability insurance covers property damage someone else may face as a result of the business’ everyday operations. 
  • Personal and Advertising Injury: Personal and advertising injury covers claims against your business regarding libel, slander, malicious persecution, copyright infringement, theft of an advertising idea and more. 

Essentially every business faces these sort of dangers day in and day out. If you have a physical location, there is always a chance that someone will be injured on your business property. Even if you work from home or only have an online store, you could face personal and advertising injury. 

There are also additional liability options depending on your business such as: 

  • Professional Liability 
  • Umbrella Liability 
  • Directors and Officers 

Some of these liability policies may be needed in different situations. For example, if you or your employees offer a professional or specialized service, you may need professional liability insurance. 

Is General Liability Insurance Required? 
As a rule, general liability insurance isn’t required by any state or federal law. In some cases, however, you may need general liability insurance in order to operate within certain industries or to obtain professional licenses. 

This is especially true if you have a physical location, as a lender may require you to carry both general liability insurance and commercial property insurance. Business owners can often combine these two coverages into a single policy called a business owners policy (BOP). 

If you are not sure about what type of insurance you need, be sure to speak with an insurance agent. They can help evaluate the risks your business faces day to day so that you can tailor a policy for your needs. 

Posted 5:48 PM

Tags: general liability insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2015
  • 2014

  • home insurance(22)
  • dave millet insurance agency(17)
  • insurance(15)
  • louisiana(10)
  • contractors insurance(10)
  • metairie(9)
  • business insurance(8)
  • workers compensation insurance(6)
  • homeowners insurance(5)
  • commercial insurance(4)
  • general liability insurance(4)
  • dave millet insurance(3)
  • commercial auto insurance(3)
  • laplace(2)
  • boat insurance(2)
  • renters insurance(2)
  • auto insurance(2)
  • homeowners(2)
  • auto(2)
  • new orleans(2)
  • home(1)
  • short term disability(1)
  • metarie(1)
  • pests(1)
  • holiday(1)
  • car maintenance(1)
  • office safety(1)
  • vehicles(1)
  • laplace la insurance(1)
  • general liability(1)
  • maintenance(1)
  • fire safety equipment(1)
  • disability insurance(1)
  • tires(1)
  • tenant insurance(1)
  • employee(1)
  • car insurance(1)
  • coolant(1)
  • rv insurance(1)
  • long term disability(1)
  • windstorm(1)
  • bad weather(1)
  • business owners(1)
  • builders(1)
  • motorcycle insurance(1)
  • commercial(1)
  • disaster preparedness(1)
  • houma(1)
  • home inventory(1)
  • la(1)

View Mobile Version

Contact Us Today!
New Orleans

(504) 556-0809


River Parish

(985) 331-9077

Contact Us
Facebook Twitter LinkedIn Google Maps

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

New Orleans: 2305 Veterans Memorial Blvd, Suite F | Metairie, LA 70002
River Parish: 13385 Highway 90 | Boutte, LA 70039
P: (504) 556-0809 | P: (985) 331-9077 | F: (985) 331-9844
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder