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1 week ago · by · 0 comments

What is Important for a Business to Know About General Liability Insurance

Business Liability Insurance is also known as General Liability Insurance (GLI). It is designed to help a business be protected from advertising injury claims as well as property damage claims, bodily injury claims and more. GLI will provide coverage for a business against lawsuits and customer injuries. It could be used to pay for legal costs, medical expenses if there is an incident resulting in a lawsuit.

Companies Need General Liability Policy

Businesses will invest a lot of time and effort in creating and growing their company. They will need a general liability policy to protect their investment from some type of incident that could result in devastating costs caused by a successful liability claim. Many of these can occur during common business situations. It includes employees or others who visit and represent client companies. GLI will be able to protect a company’s property as well as its business activities that take place at third-party locations.

How General Liability Insurance Works

It is designed to work like many other insurance plans. The policy will list the highest amount an insurance company will pay in a liability claim. Smaller businesses may get $300,000 for costs resulting from an injury occurring at a worksite. It may also provide an additional $100,000 for legal fees. This means the most a company will get from the policy is $400,000. Anything over that amount will be the responsibility of the company to pay.

Types Of Claims

*Advertising Errors – This will protect a business owner against claims of alleged advertisements that infringe on a copyright as well as false advertising and more.

*Rental Property Damage – A business owner will be protected from damage caused by lightning, explosion, fire and more for any property they rent.

*Property Damage Or Bodily Injury – This could protect a business owner against claims of damage to property or bodily harm caused by the business.

*Medical Payments – If a person experiences an injury at a business, this will help with the costs associated with their medical treatment.

*Reputational Harm – This will cover slander, malicious prosecution, libel as well as a violation to the right of privacy, wrongful eviction and more.

General Liability Insurance Rates

The cost of a general liability policy will be determined by using a number of different factors. A major factor will be the type of business. A restaurant business has a higher exposure for risk than a consulting company. The amount of time a company has been in business is a factor. Experience often results in lower premiums. The location, size as well as the condition of a company’s premises will also influence GLI rates. A company’s history of insurance claims against them will also be a factor. There are also policy specific details that will impact the cost of a policy. These are such things as preferred coverage limits, amount of the policy’s deductible and more.

Filing General Liability Insurance Claim

When a company has an incident that could result in a claim being filed against them, they should immediately notify their insurance agent or the insurance company directly. The insurance company will want to know the details of what happened. It is important to be able to tell the insurance company the date and time of the incident. They will also want to know if there are any witnesses, their names and how to contact them. All other information that could be pertinent to the claim should be provided to the insurance company.


When choosing which insurance company that would be a good fit, businesses should do some industry research. There are some insurance companies that focus on providing coverage for specific industries. Speaking with similar companies will help a business owner realize what type of coverage is necessary and what type of premiums are appropriate.

It is unwise for a business at any level to not have a GLI policy in place. It will pay for liability costs and more when a company needs to meet these types of obligations. A GLI policy is designed to protect a company’s assets. It can protect a company if they are successfully sued. It will cover any award or settlement involving losses suffered by an injured party. GLI policies can protect against damage from natural disasters, criminal activity and more. It is an important way for a company to experience a bad incident and still continue operating.

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1 month ago · by · 0 comments

How to Insure Your Home Business

Congratulations on pursuing your passion and taking the leap to become a home-based business owner! Starting your own home business can be an exciting albeit nerve-wracking time. The good news is the odds of success are in your favor.

Today, there are approximately 38 million home-based businesses being run throughout the US alone, and 70 percent of these have managed to stay in operation for at least three years. Even more inspiring is the fact that these same home businesses generate over $400 billion each year, making them a vital part of the overall economy.

With so much at stake, home businesses need to be protected just like any other business entity. Whether you plan on working for yourself around the clock or only a few hours a day, proper insurance coverage is a must in order to protect your business and assets should anything unexpected occur.

If you’re running a home-based business, the type of business you’re operating, the amount of inventory you have, and your sales volume are just a few of the many factors that will affect which home business insurance coverage is best for you.

However, with so many intangibles to account for and insurance options out there to choose from, how do you select the right coverage for you and your home business? Fortunately, we’ve broken the selection process down to three simple steps.

Keeping reading to learn how to choose the right coverage, insure your home business, and begin protecting your bottom line today.

Step One – Understand Your Home Business Insurance Options

Many insurance carriers provide several different insurance options for home-based businesses. Your coverage needs will vary depending on the type of home-based business you’re running.

For example, if you’re a freelance writer or graphic designer with no tangible goods other than a computer and software, the amount of coverage you will need will differ from someone selling custom t-shirts with a room full of inventory.

A simple home owner policy endorsement may do the job, or you may need several individual business insurance policies. Perhaps a businessowners package policy is a better fit?

Here’s a look at each of these options and how they apply to home businesses like yours.

Homeowner’s Insurance Endorsement

While homeowner’s insurance is designed to cover homes and not businesses, it may be suitable for your home business needs if you only need a small amount of coverage for business property. More than likely, incidental business property is already covered under your base policy. However, it provides zero business liability coverage. A business endorsement can solve this dilemma.

There are generally two types of home business endorsements:
• Endorsements that cover inventory, tools, computers, and so on
• Endorsements that cover liability

Basic business-related property endorsements typically provide up to $3,000 of coverage for business property in the home and only $250 of coverage when away from the home.

Liability endorsements only provide coverage in the event someone is injured on your property, and they are usually only available to home-based businesses with very few business-related visitors.

Unfortunately, neither provide professional liability coverage and offer protection in the event of a lawsuit. There is also no comprehensive coverage option for loss or damage to off-site business property, loss of records, and loss of income due to extensive damage to your home resulting in an unusable space.

With loss of income coverage, if a covered home event like flooding or a tornado forces you to pause in-home operations, you will receive funds to pay employees and bills for up to 12 months. If you need this or even more coverage to fully insure your home business, a businessowner’s policy may be a better option.

Businessowner’s Policy

A businessowner’s policy, or BOP, is designed for home-based businesses of a larger scale. If you need to protect $10,000 or more of business property or have multiple types of liability coverage, you should consider a BOP.

Aside from the added protection, one of the main advantages of a BOP policy is the ability to have specific liability coverage for your type of business. However, it’s important to note that a BOP typically only covers any damages caused to others as a result of your product or service. It doesn’t cover the actual product or work itself.

It’s also worth pointing out that BOPs don’t provide any health, life, disability, or worker’s compensation coverage. So, if you have employees and want to cover your bases, it may be worth looking into these types of coverage as well.

Commercial Auto Coverage

Similar to homeowner’s insurance, personal auto insurance is not designed to provide coverage for business use. Therefore, if you have a company-owned vehicle, you need commercial auto insurance.

With commercial auto insurance, you can protect both company-owned vehicles and personal vehicles used for business. Commercial auto policies also generally cover coverage gaps between personal auto and business liability policies.

Whether you travel daily for your business to and from job sites or once a week to mail documents and packages, a commercial auto policy can make sure you’re covered in the event of theft or an accident.

Step Two – Find an Independent Insurance Agent

Independent insurance agents specialize in helping people just like you find the right home business insurance coverage. So, if you don’t already have one for your home or auto, find one.

Your independent agent will help you secure the best coverage at the best rates available. However, no ordinary agent will do. To get the right coverage for your needs, it’s important to work with an agent with experience insuring your specific type of home business.

Step Three – Regularly Review Your Coverage as You Grow

Whichever agent or type of home business coverage you choose, it’s a good idea to regularly review your policy and discuss any changes with your agent. Similar to the way you would review your homeowner’s policy when adding a bathroom or addition, you’ll want to increase your home business coverage as you increase your inventory, add additional work vehicles, and so on.

You may also want to discuss umbrella policies with your agent. The right agent will offer the right advice to provide you with superior protection both now and in the future.

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Cincinnati Family and
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910 Loveland Madeira Road,
Loveland, OH 45140

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