General Liability Insurance in Blairsville, GA

General liability insurance is a key consideration for businesses seeking protection against various liabilities. Esquire Insurance Services of Georgia offers expertise in crafting commercial liability policies. Contact us for a quote, and let’s explore how a general liability policy may help safeguard your business.

What Is Commercial General Liability Insurance?

Commercial general liability (CGL) insurance is a core policy for businesses designed to provide a safety net against certain liabilities:

• Bodily injury and property damage—This policy aspect may help cover costs if your business is responsible for physical harm or property damage.
• Legal defense and judgments—General liability coverage can be essential in handling legal expenses and settlements if your business faces a lawsuit.
• Advertising injury—This may help protect your business against claims of slander, libel, or copyright infringement related to advertising.

While general liability offers broad coverage, it’s essential to understand your policy’s specific terms and limitations.

What Is the Difference Between General Liability and Professional Liability?

Understanding the distinction between general liability and professional liability is crucial for business owners:

• General liability policies focuses on physical risks, like bodily injury or property damage, typically associated with your business operations or premises.
• Professional liability insurance, often called errors and omissions (E&O) insurance, may help cover risks related to your company’s professional services or advice.

Both types of coverage are integral but serve different purposes:

• A commercial general liability policy may help cover more tangible, immediate risks.
• Professional liability insurance may help with the financial repercussions of professional advice or services.

Where to Get General Liability Insurance

For a comprehensive understanding of these policies and how they pertain to your business, consult Esquire Insurance Services of Georgia, with offices in Blairsville,GA and Ellijay, GA. We can help you determine the types of coverage that best suit your business needs.