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General Liability Insurance in White House

General liability insurance is often fundamental to any business’s risk management strategy. It can play a pivotal role in safeguarding an organization’s financial stability and reputation, allowing them to navigate the complexities of today’s litigious business environment more confidently. 

What’s General Liability Insurance? 

General liability insurance may offer financial protection to businesses against various liability claims. These claims can arise from third parties, such as customers, clients, vendors or even bystanders, who may be injured or experience property damage due to your business operations. 

How Does General Liability Insurance Work? 

A comprehensive general liability insurance policy can provide coverage for a broad range of liabilities a business may face. While specific coverages can vary between insurance providers and policies, a typical policy includes the following: 

  • Bodily injury and property damage liability 
  • Personal and advertising Injury 
  • Medical payments 
  • Damage to rented premises 
  • Defense costs 
  • Personal injury protection 


It’s important to note that a general liability policy does not cover every risk a business might face. For example, it usually doesn’t include coverage for employee injuries (addressed by workers’ compensation), damage to your own property or professional errors and omissions (addressed by professional liability insurance).  

Additionally, the limits and exclusions within the policy can differ, underscoring the importance of a meticulous review of its terms. Engaging with an insurance professional during this process is imperative to guarantee that the policy effectively addresses the particular risks inherent to your business. 

How Much Is General Liability Insurance? 

General liability insurance premiums can vary based on the following factors: 

  • Type of business 
  • Business size 
  • Annual revenue 
  • Geographic location 
  • Industry risks 
  • Coverage limits 
  • Deductible amount 
  • Claims history 


Where to Get General Liability Insurance 

Contact Wilkinson Insurance Agency to help determine the appropriate coverage limits and policy endorsements that align with your artisan contractor business.