General Liability Insurance in St. Louis, MO 

Running a business comes with its fair share of risks. One unexpected accident or lawsuit could throw everything off track. That’s where general liability insurance comes in. This policy may help prevent financial loss if your business is liable for bodily injury, property damage and personal injury.

What Does General Liability Insurance Cover

A general liability insurance policy may cover your legal defense costs and pay for any damages your business is responsible for, up to your policy’s limits. Standard policies may also cover the following:

• Medical expenses if someone is injured on your premises or due to your business operations

• Repair or replacement costs if your business caused damage to someone else’s property

• Claims of defamation, libel, slander, copyright infringement or false advertising

• Medical expenses for minor injuries sustained by non-employees on your business premises

Who Is Covered Under a General Liability Policy?

A general liability insurance policy may cover the business owner, employees and sometimes temporary workers or volunteers while they perform work-related tasks. In some cases, company directors and officers may be covered, but they may need a separate policy for executive liability. Businesses can also add other parties, like landlords, vendors or contractors, as “additional insureds” for extra coverage. However, this insurance does not replace workers’ compensation, which specifically covers employee injuries.

How Much Is Liability Insurance?

General liability insurance rates are calculated based on a number of factors, including the following:

• Business type

• Industry risk level

• Workforce size

• Revenue

• Coverage limits

• Credit history

Learn More

Don’t let unexpected claims slow down your business. Contact Crawford-Butz Insurance today to learn more about our affordable general liability insurance solutions.