Small Business Liability Insurance in Des Moines IA & West Des Moines IA
All businesses, including small businesses, face risks daily. Mitigating those risks is of the utmost importance. One way to effectively manage the risks your small business may face is to ensure that you have the right insurance solutions in place. Regardless of your small business’s size, having a general liability policy should be a priority.
Here at Bishop White Insurance & Financial Services, Inc. we believe in providing all of our local small business partners with the commercial lines of coverage they need. We proudly serve Des Moines IAand the surrounding areas. Give us a call today to get started.
What Is Small Business Liability Insurance?
General liability insurance policies cast a wide safety net across many different common risks. Also often referred to as business liability insurance or commercial general liability insurance, this coverage can provide critical protection following many different incidents.
What Does Small Business General Liability Insurance Cover?
Specifically, most general liability policies can provide financial assistance for the following situations:
Bodily injury—If your business is liable for a customer, visitor or other third-party being injured, general liability insurance may cover costs for their medical expenses.
Property damage—If you or your employees are responsible for damaging another party’s property, including that of your landlord, your coverage can help pay for repair or replacement expenses.
Personal and advertising injury—If your business faces losses or damages arising from a personal or advertising injury, such as slander, libel, violation or privacy or copyright infringement, general liability coverage can provide financial aid.
Legal fees—If a lawsuit is filed against you or your business, your policy may help pay for legal fees and representation.
Every policy is different. Contact your agent today to learn more.
Who Needs General Liability Insurance?
This type of policy may be of particular importance if your business’s regular operations consist of the following activities:
Welcoming customers and visitors to your physical place of business
Providing professional services off-site, such as at a client’s home or business
Transporting or storing property owned by another party
Advertising and marketing your business or using social media
Here When You Need Us
At Bishop White Insurance & Financial Services, Inc., we are here to help you when you need help with your commercial insurance package. You’ll always get effective coverage at the appropriate prices. Don’t hesitate to contact us today for a quote!