General Liability

Required Insurance for most VA Businesses

What Does General Liability Insurance Cover?

General Liability Insurance for businesses cover the costs of liability claims made against your business for personal injury, property damage and advertising claims.

General Liability typically covers:

  • Property damage claims made against your business
  • Personal injury claims made against your business
  • Advertising injury claims made against your business
  • Attorney fees related to settling covered claims
  • Administrative costs to handle covered claims
  • Court costs associated with covered claims
  • Settlements and judgments for covered claims

General Liability usually does not cover:

  • Costs of damage to your own business property
  • Costs of personal injury claims made by your own employees due to work related incidents
  • Costs of auto accidents caused by you or your employees while driving for work purposes
  • Purposefully illegal or malicious acts

Judgments, settlements, lawyer and court fees can be extremely expensive. Even if you do not need to go to court, you will need to pay for legal counsel, administrative work by legal personnel and other unforeseen losses.

For most small businesses, this would cause their businesses to greatly suffer or close. Luckily, there are great policies available that will protect you against such great losses.

General Liability Insurance coverage can help pay for lawsuit expenses, which may include:

  • Lawyer fees. These fees quickly add up as lawyers charge per hour.
  • Court costs. Filing court documents is expensive and cannot be avoided.
  • Administrative costs. Lawsuits involve lots of sharing of documents for lawyers to examine. That means shipping, processing, software, and photocopy charges.
  • Settlements. Even if you are able to settle out of court, you may very well be responsible for paying the plaintiff, depending on what your lawyer recommends.
  • Judgments. If you go to trial and lose, you must pay a court judgment or risk a judgment lien being placed on your business assets.

Who Needs General Liability Insurance?

Virginia general liability insurance is required by the state for most business owners.

There are many businesses who should have general liability insurance they include:

  • Businesses who have a store, office or building that’s open to the public, clients, and/or vendors
  • Handle or work on or near client property.
  • Advertise or do marketing for your business.
  • Have a social media presence or use social media both personally and professionally.
One call to Lee
is all you need!

Lee Mahaney

General Liability Expert

(804) 914-3826
Email Lee

Should you need to use your General Liability policy, we will be right there with you. We will walk you through the process of getting the coverage your policy offers. We remove the stress of getting the funds so you can deal with the issue at hand. When you work with us, you are working with a family whose goal is to protect you and your business.

Eligible Classes:

Accountants/Bookkeepers/Actuaries Adult Day Care Centers Apartments Architects, Engineers Art Gallery Auctioneers Auto Repair Service Barber Shop Bars & Night Clubs Beauty Salon Bed & Breakfasts Burglar, Fire, Security Alarm Contractor Car Wash Carpentry Contractors Caterers Cemeteries Churches/Houses Of Worship Civic Organizations Clothing Store Collection Agencies Colleges/Schools Computer Consulting Concrete Contractor Condominiums Consultants Convenience Stores Copying And Duplicating Service Counseling Services Country Clubs Craft Breweries Daycare Dental Laboratories Dentists Diagnostic Testing Labs Distributors Document Shredder Drywall Contractors Electrical Contractors Employment/Staffing Agencies Equipment Repair Service Excavation Contractors Fence Erection Floor Covering Food Banks Funeral Homes General Contractors Glass Dealer & Glaziers Golf Courses Goodwill Programs Graphic Designers Grocery Store Gyms Hardware Store Health And Fitness Centers Home Health Care Service Hospice Care Hotels Hotels/Motels Hunting/Gun Clubs Hvac Contractors Inspectors/Appraisers Insurance Agencies Janitorial Contractors Jewelry Store Landscape Contractors Laundromats Laundry & Dry Cleaning Law Offices Lawn Service Lessors Risk Buildings Locksmith Manufacturers Marinas Masonry Contractor Medical Offices/Physicians Mobile Concession And Food Trucks Mortgage Brokers Nail Salon Optometrists Painting Contractor Pawn Shops Pest Control Pet Boarding Pet Groomers Pet Trainers Pharmacies Plumbing Contractors Pool Services Portable Toilet Rentals Printers Process Servers Professional Trade Associations Property Managers Real Estate Agencies Recycling Operations Rental Dwellings Restaurants Roofing Safety Services Salvage Yard Sand And Gravel Hauling Self Storage Facilities Septic Contractors Shoe Store Snow Removal Social Services Street And Road Construction Tree Services Trucking Vape Store Vending Operations Veterinarians Warehouses

Get a Quote

Send us an email and we will contact you promptly to ask you a series of questions to learn more about your protection needs. Based on your line of work, cost of your services, and clientele, we will create the perfect plan for you together.

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