Commercial General Liability in Des Moines IA & West Des Moines IA

As a business owner, you will of course want insurance that protects you against property damage to your own assets. However, other serious challenges could also put your financial security in harm’s way, particularly allegations that someone might make that you harmed them. You never want to make a mistake that harms someone else, but the fact of the matter is that there are hazards present around every corner that make such an endeavor impossible.

Instead, you need to be prepared to respond in case someone ever alleges negligence or misconduct by your company. A properly tailored general liability insurance policy will help you do so, and you’ll make your business’s future a lot more secure by investing in such an important benefit. By working with the expert team at Bishop White Insurance & Financial Services, Inc., you’ll have the guarantee of getting affordable benefits that always offer exceptional protection.

The Essentials of Liability Insurance

You cannot prevent the risk that an accident might occur in your business, no matter how safety conscious you try to be. If something does go wrong, then other parties—customers, vendors, even total strangers—could sustain injuries, property damage, or financial losses for which they hold you responsible. As a result, they might sue you or demand compensation. General liability insurance is the coverage that enables you to repay them for their losses.

Usually, a general liability plan offers at least the following coverage:

• Bodily Injury
• Property Damage
• Fire Legal Liability
• Accidental Medical Payments
• Products/Completed-Operations
• Premises
• Personal Injury (libel, slander, wrongful eviction, copyright infringement)

So, suppose that a customer falls and hurts themselves when they slip in a puddle in your bathroom. You of course didn’t intend for this accident to occur, but it still happened on your watch. Therefore, if the injured person sues you, your liability insurance can help you cover legal expenses, settlement costs and other fees related to their losses.

Still, because your commercial liabilities can be nuanced, you must work with your agent to ensure that your general liability policy is augmented with appropriate endorsements that expand it to its greatest extent.

Here at Bishop White Insurance & Financial Services, Inc., provide full liability insurance services to companies in Des Moines, West Des Moines, Clive, Waukee and beyond. Reach out to an agent or request a quote now to learn more about how this critical benefit can help you.