What Is General Liability Insurance for Businesses?

General liability insurance is one of the most essential protections you can purchase for your business. It covers you in the event of liability claims, such as:

• A non-employee getting injured on your premises or job site
• Negligence that results in injuries from your products or services
• Illness from food you prepare or serve
• Harm that is caused by your advertising

Without general liability insurance, you’d have to pay damages or settlements related to liability cases out of your own coffers, which most King County businesses find impossible. In fact, a major liability claim could put you out of business entirely without insurance.

General liability insurance pays for expenses like damages, settlements, lawyer fees, court costs, and the like related to liability claims. In some fields, you must prove you have this protection to bid on jobs, like municipal projects.

How Can King County Businesses Better Protect Themselves?

In addition to general liability insurance, there are some specialized forms of liability coverage that you may also wish to purchase:

• Errors and omissions insurance to cover mistakes made by your business that have serious consequences
• Employment practices insurance to protect you in case of allegations of discrimination, wrongful termination, harassment, etc.
• Directors and officers insurance for incidents where your leadership makes a mistake that causes harm

You can also increase your liability protection via a commercial umbrella policy. This gives you broad liability coverage and can be applied in scenarios where you reach the cap on your general liability or commercial auto policies.

Don’t forget to ask about other forms of business protection too, like property insurance, cyber insurance, commercial auto coverage, bonds, inland marine coverage, loss of income insurance, and equipment failure insurance.

If you have one or more employees, you are also required to carry workers’ compensation insurance in case a worker is injured on the job. You can obtain this through the Washington Department of Labor & Industries.

We Help Business Clients Identify Risks and Reduce Financial Vulnerability

Don’t risk operating a business in King County without the proper general liability insurance to protect you. At Spangler Insurance, our independent agents will assist you with finding the right coverage for all your areas of vulnerability, so you minimize financial risks. You will appreciate our generous selection of business insurance products and stellar customer service.

Call us at 206-329-7447 today to learn more about general liability coverage and other types of business insurance. You can also start your policy online at your convenience.

Get a Free General Liability Insurance Quote