Questions to Ask Your Insurer About General Liability Insurance

Questions to Ask Your Insurer About General Liability Insurance

Have these general liability insurance questions ready for your commercial insurance agent.

General liability insurance is something that every business owner needs if they want to protect their business from the dangers of everyday life. But, for some business owners, general liability insurance is not so straightforward, and that’s okay! We are here to help. If you are curious about this policy, here are a few questions to ask about general liability insurance to ask your commercial insurance agent.

What’s covered?

It covers the basics like bodily injury and property damage. However, depending on your business, you may need more or less coverage. Be sure to ask your agent what coverage your business needs.

How do I file a claim?

A good place to start is with your agent. He or she can give you plenty of pointers on how to make your claims process a lot easier. From making notes, storing documents, and improving health and safety practices, your agent can help to prevent a claim as well as file one.

When do I need to file a claim? 

As soon as possible! The sooner your claim comes in, the faster it can be resolved.

Are the limits enough to cover my needs?

Every insurance policy covers you up to a monetary limit. Once you reach that limit, you are left to cover the rest. As accidents and legal suits can rack up hundreds of thousands of dollars, it’s a good idea to secure extra coverage for your business’ assets. An umbrella insurance policy can increase your coverage limit.

Investing in a comprehensive commercial insurance policy and a communications strategy will help to provide a solid foundation for your company. Contact CAV Insurance to learn more about your options for business insurance in Wellesley and surrounding cities in MA. We can help you assess your needs and determine ways for you to save!