General Liability
Insurance
General liability insurance is something you cannot do without. As someone who runs a business, you are familiar with the day-to-day uncertainties of small business management. We know all of the hard work invested in a business plan: the number crunching, careful planning, and the endless hours you’ve invested. And because accidents can, and do, happen, general liability insurance can protect you and your business.
Broward Hall Insurance Agency provides complete business protection, not just your “one size fits all” coverage. We cover medical expenses, attorney fees and damages when you are legally responsible, plus other situations that may not have even crossed your mind, regardless of your careful planning.- Professional
- Professional Liability Insurance covers professionals for negligence and errors or omissions that injure their clients. Any individual or business providing an opinion, making recommendations, designing solutions, or offering a service is at risk for a professional liability lawsuit.
- Employment
- Employment Practices Liability Insurance covers employment-related liabilities other than on the job injuries. It's important to have this coverage for legal fees and damages for suits, such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights.
- Premises
- Premises Liability Insurance helps protect your business against certain claims for damage to premises rented to you due to fire, lightning or explosion. If you have a landlord for your business operations, you are at risk for a liability if a loss happens. Our agents are insurance pros and we are ready and able to protect you and your business today.
Popular Insurance Types
Here are the answers to common Liability Insurance questions.
I’m self-employed and have been told in order to get a work contract I need to provide GL insurance. What is that exactly?
“GL” is an abbreviation used for General Liability. General liability insurance protects your company if you cause injury to others or damage to others’ property.
I’m a contractor in the construction industry. Are my tools covered under my General Liability insurance?
No, tools are not automatically covered. Some carriers offer this coverage as a rider while others do not. It is important to discuss this with your insurance provider to know what coverages you have and what is available.
I have been told that my General Liability will be audited. What does this mean and what will be required of me?
A general liability audit is a review of your business exposure. Your business can change a lot from year to year. The audit process confirms your scope of business outlined in the policy and compares your estimated payroll or receipts at the beginning of your policy term with the actual payroll or receipts that you generated. Depending on the results, you could get a refund or have an additional premium.
Ask about insurance packages that can bring better coverage for up to 20% less cost.
Disclaimer: Above questions and answers are intended to be generalized information and may or may not be the specific wording of your insurance contract. Your specific policy contract coverages and definitions will prevail. For specific questions of coverage, please contact your insurance provider. Generalized questions are not an offer of coverage. If you would like an insurance proposal, please contact our office.