Choose Your Coverage
Our Small Business Experts work with our top-rated insurance carriers to
customize solutions specifically for your business.
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General Liability
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Buildings and Property
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Business Interruption Income
Package Includes
Advantages of Working with Gallagher:
- Personalized programs, tailored coverage and options that evolve with your goals – We regularly review your personal risk management program to identify any potential gaps in coverage and assess the impact of market trends. We also monitor your policies and limits, review any changes in your assets that might increase exposure and offer recommendations to ensure you get the best coverage and value for your needs.
- Dedicated team focused on you – Your personal account executive is there when you need them to answer questions, make changes to your policies, support you through the renewal process, and advocate for you when you experience a loss.
- Insurance coverage for every part of your life – As a global brokerage, your personal risk advisor has the resources to work with experts both nationally and abroad to create a personal risk management program designed for you as your lifestyle changes.
Personal Coverage Options Include:
- Property Insurance – Home, Course of Construction Insurance, Renters, Dwelling Insurance, Condominium/Townhome or Co-op
- Vehicle Insurance – Auto, Boat, Motorcycle, RV
- Liability and Other Risks – Umbrella, Flood, Cyber, Collections
Coverage Overview
General Liability Insurance helps to protect your business from potential devastating monetary loss arising from such a lawsuit. The chances of a business getting sued for bodily injury, personal injury or property damage to a third party have dramatically increased.
Claims stemming from negligent acts by you, others within your organization or others acting on behalf of your organization, can arise from a variety of circumstances:
- A product you manufacture or supply causes bodily injury and/or property damage to a third party
- Property damage and/or bodily injury to a third party results from your business operations
- Allegations of libel, slander or defamation are brought against you by a third party
General Liability typically provides coverages for expense stemming from allegations of bodily injury or property damage such as:
- Amount the insurer spends to investigate or defend the claim or suit brought against you
- Other costs incurred directly by the insurance company, such as lawyer fees, witness fees, police report costs
- Any court costs or other costs assessed against you in a suit
- Reasonable expenses you incur at the insurance company's request to aid in your defence against a claim, such as your loss of income for a day spent in court
- Any judgment or settlement arising from a covered suit
- Any required interest on the judgment if the defence is unsuccessful
- Medical expenses for injured parties
- Premiums for any bonds required by a liability suit
Want to learn more? Contact our small business risk experts.