Liability suits can be a nightmare for any business owner, potentially forcing you out of business even if you eventually win your court case. General liability insurance takes the pressure by covering the costs if someone is injured at your business location or an employee damages a client’s property. Because everything you’ve worked to build may depend on your liability coverage, it’s essential to find a policy tailored to your needs.

How to Choose General Liability Insurance

Evaluate Your Risks

First, consider the likely scenarios that may result in a liability claim. Is your business open to customers who may slip and hurt themselves? Could someone trip and fall on broken asphalt in your parking lot? Do your workers use large machinery that could damage someone’s property if they make a mistake? Keep in mind that general liability coverage doesn’t include all potential risks, so businesses in certain industries may need to purchase more specialized insurance.

Choosing an Insurance Company

Cost is a crucial factor when making any business investment, but there are various other elements to consider. For instance, you’ll want a company with a strong reputation and modern, technologically advanced claims process. The sheer number of options can make choosing an insurer overwhelming, so it may be best to speak with an independent agent before selecting a policy.

Looking for Discounts

Like any other policy, general liability insurance rates are based on the risk of filing a claim. Any steps you take to make your business safer may bring your premiums down and lower the chances of someone getting hurt. Ask your insurance agent whether you can get discounts for installing guardrails, posting signage, or giving your employees advanced safety training.

When you need an experienced partner to help protect your business, turn to the agents at Barnes & Howell Insurance, Inc. Since 1995, they’ve offered sound advice and tailored policy options to business owners throughout Georgia’s Hall and Gwinnett counties, building a reputation for going above and beyond for their customers. To request a free general liability insurance quote, visit their website or call (770) 718-0202. You can also follow their Twitter for more tips and advice.