{"id":6176,"date":"2022-06-22T19:59:30","date_gmt":"2022-06-23T00:59:30","guid":{"rendered":"http:\/\/accupro-insurance.five.zysites.com\/blog\/does-your-small-business-need-general-liability-insurance\/"},"modified":"2026-02-19T08:29:49","modified_gmt":"2026-02-19T14:29:49","slug":"does-your-small-business-need-general-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.quoteguy.com\/es\/blog\/does-your-small-business-need-general-liability-insurance\/","title":{"rendered":"Does your small business need general liability insurance?"},"content":{"rendered":"<p style=\"color: #2b2a3a; margin-top: 0px; margin-bottom: 1.562rem; letter-spacing: 0.558px;\">Even if these don&rsquo;t apply to you, small businesses that work directly with clients and customers usually benefit from commercial general liability insurance, also known as a CGL policy. This insurance policy can keep your company financially stable if you&rsquo;re sued by a customer or competitor.&nbsp;<span style=\"letter-spacing: 0.558px; font-size: 12pt;\">Because general liability insurance provides important coverage, most small business owners buy the policy right after they start their business.<\/span><\/p>\n<p style=\"color: #2b2a3a; margin-top: 0px; margin-bottom: 0px; letter-spacing: 0.558px;\"><span style=\"font-size: 12pt;\">What does commercial general liability insurance cover?&nbsp;<\/span><span style=\"font-size: 12pt; color: #000000;\">General liability insurance provides coverage for common liability claims from third parties (people outside your business).<\/span><span style=\"font-size: 12pt; color: #000000;\">Commercial general liability insurance covers legal defense costs if someone sues over a bodily injury, property damage, or advertising injury. Your CGL policy can pay for everything from hiring a lawyer to court-ordered judgments and settlements.<\/span><\/p>\n<p style=\"margin-top: 0px; margin-bottom: 1.562rem;\"><span style=\"font-size: 12pt;\">&nbsp;<\/span><span style=\"font-size: 12pt; color: #414052;\">General liability coverage is essential if your business:<\/span><\/p>\n<div style=\"color: #2b2a3a;\">\n<div class=\"contain_2tpfW body_QVswc BodyText list-style\" style=\"margin-right: auto; margin-left: auto; padding-right: 0px; padding-left: 0px; letter-spacing: 0.031rem;\">\n<ul style=\"margin-bottom: 1.562rem; margin-left: 0.75rem; padding-left: 1.25rem; list-style-type: none;\">\n<li>-Has a location that is open to the public<\/li>\n<li>-Works closely with customers or clients<\/li>\n<li>-Handles client property<\/li>\n<li>-Rents or owns commercial property<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><span style=\"font-size: 12pt; color: #2b2a3a;\">Is general liability insurance required by law?&nbsp;<\/span><span style=\"font-size: 12pt;\">Generally not, but states may mandate it for certain industries like&nbsp;<\/span><a href=\"https:\/\/www.insureon.com\/construction-contracting-business-insurance\" title=\"Insurance for construction businesses and contractors\" style=\"color: #470fdd;\">construction<\/a><span style=\"font-size: 12pt;\">. While general liability insurance isn&rsquo;t typically required by law, it&rsquo;s still likely required by your landlord, mortgage company, or clients.&nbsp;<\/span><span style=\"font-size: 12pt;\">A landlord or client may ask your business to show a&nbsp;<\/span><a href=\"https:\/\/www.insureon.com\/small-business-insurance\/general-liability\/certificate-of-insurance\" title=\"General liability insurance certificate\" style=\"color: #470fdd;\">certificate of insurance<\/a><span style=\"font-size: 12pt;\">&nbsp;as proof of your general liability insurance coverage. This document verifies that your business can handle any personal injury or property damage lawsuits.&nbsp;<\/span><span style=\"font-size: 12pt;\">And more importantly, the certificate gives your property manager, bank, or customer peace of mind that they won&rsquo;t be stuck paying the costs of a lawsuit against your company.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"block Heading contain_2tpfW\" style=\"color: #2b2a3a; margin-top: 3.125rem; margin-right: auto; margin-left: auto; padding-right: 0px; padding-left: 0px;\">&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Even if these don&rsquo;t apply to you, small businesses that work directly with clients and customers usually benefit from commercial general liability insurance, also known as a CGL policy. This insurance policy can keep your company financially stable if you&rsquo;re sued by a customer or competitor.&nbsp;Because general liability insurance provides important coverage, most small business [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1,83],"tags":[],"class_list":["post-6176","post","type-post","status-publish","format-standard","hentry","category-blog","category-general-liability-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/posts\/6176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/comments?post=6176"}],"version-history":[{"count":0,"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/posts\/6176\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/media?parent=6176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/categories?post=6176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.quoteguy.com\/es\/wp-json\/wp\/v2\/tags?post=6176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}