Protect your small business from everyday risks.

Behind all good businesses are good people. And sometimes, even good people make mistakes. If a customer or a customer's property is damaged because of your business' negligence, commercial liability insurance for small business helps make things right again. It helps pay for damages that could destroy your profitability. In short, this coverage helps you rebuild your trust within your community without worrying about the bottom line.

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What does general liability insurance cover?

General liability insurance through Virginia Farm Bureau provides basic coverage every business needs to protect themselves in case of accidents, mistakes, or even lawsuits. It takes many different forms that can be tweaked based on your business needs and how you interact with the public. We cover small businesses across many industries, including contractors, offices, retail stores and shops, rental property, and more. Here are a few of the coverages you may need:

Bodily Injury & Property Damage Liability

If someone injures themselves on your property, a general liability policy could provide coverage, even in the event of a lawsuit. Let's say a guttering company's employee drops a gutter off the roof edge and hits a pedestrian walking below. Bodily injury coverage takes care of the pedestrian. Or take this case: an employee in a painting or construction business accidentally leaves water running, causing substantial water damage to a customer’s home. Liability coverage will cover the cost of stripping out flooring, repairing drywall, and erasing the damage to both the customer’s home and your credibility.

Personal & Advertising Injury

If someone claims libel, slander, or copyright infringement, general liability protects you in the case of a lawsuit. For instance, if you face a class action lawsuit that claims your advertising used misleading information, this coverage would help defend you in court and pay damages.

Medical Expenses

Medical Expense differs from other liability coverage in that it pays without regard for negligence. In other words, you don’t have to acknowledge fault, but can still take care of injuries a person may have received due to your business. Let’s say a customer loses their balance and falls inside a clothing store and sprains an ankle. This coverage will pay the injured person’s medical fees as a goodwill gesture.

Fire Legal Liability

This coverage protects your business from fire liability for your leased space with a general liability policy. An example would be a fire that starts in a hairdresser’s salon due to a curling iron that was left on in a strip mall. Fire Legal will take care of repairs to your leased space.