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GENERAL LIABILITY INSURANCE

Protect Your Business From the Risks That Come With Everyday Operations.

A customer falls at your business, or your work accidentally damages someone else’s property. Incidents like these can lead to expensive claims. Compare general liability options from multiple insurance companies, with independent advice on the cost of defending a claim, how much protection you carry, and what the policy doesn’t cover.
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FOUNDATIONAL BUSINESS PROTECTION

Liability Claims Can Happen to Almost Any Business.

Liability risks can arise from your premises, the work you perform, the products you sell, and certain advertising activities. Understanding how your policy addresses those risks—and what it excludes—makes it easier to spot gaps that may call for additional coverage.
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Bodily Injury

If a customer or visitor is injured because of your business operations, coverage can help pay costs your business is legally responsible for, depending on what your policy covers.

/02

Property Damage

Accidentally damaging a customer’s property can leave your business facing a costly claim. This coverage can help pay amounts your business legally owes for damage the policy covers.

/03

Legal Defense Costs

Defending your business against a lawsuit can be expensive, even if you did nothing wrong. General liability insurance can help pay attorney fees and other defense costs when the claim falls within your coverage.

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Personal & Advertising Injury

Claims of libel or slander involve allegations that written or spoken statements harmed someone’s reputation. This coverage can help address those claims and certain advertising-related claims, depending on what your policy includes.

BUILT AROUND YOUR EXPOSURE

The Right Liability Coverage Starts With Understanding How You Do Business.

A contractor working at customer properties faces different risks from a retailer, office, or service business. Understanding where your business operates, who you interact with, and what products or services you provide helps identify where claims against your business could arise.
  • KNOW WHERE YOU’RE EXPOSED

Having Liability Insurance Doesn’t Mean Every Business Risk Is Covered.

Your operations can evolve while your insurance stays the same. Reviewing your liability protection can help identify changes, exclusions, limits, or exposures that deserve a closer look.
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Your Operations Have Expanded
New services, products, locations, or customers can bring risks your existing coverage may not address. Talk with us about what’s changed so we can identify potential gaps and discuss coverage that fits your business today.
1
Your Coverage Limits Haven’t Changed
Your business may have grown while your liability coverage stayed at the same dollar amount. Bring us your current policy so we can discuss how much protection it provides and whether higher limits make sense for what’s at risk today.
2
You Work at Customer Locations
An accident at a customer’s home or business could lead to an injury or property damage claim. Tell us about the work you perform away from your own location so we can check what your liability policy covers.
3
Your Clients or Lease Require Specific Coverage
A new client or lease may require proof of liability insurance or specific coverage amounts. Send us those insurance requirements early so we can compare them with your policy and explain any changes needed.
4
  • OUR APPROACH

The Right Coverage Starts With Understanding Your Needs.

Every situation is different. We take the time to understand what you’re protecting, review your current coverage, and help identify potential gaps so you can make informed decisions with confidence.

What does general liability insurance cover?
General liability insurance can help protect your business against claims involving injuries to customers or visitors, damage to someone else’s property, and certain claims involving reputation or advertising. It can help pay legal defense costs and amounts your business legally owes for covered claims. What’s covered and how much the policy pays depend on the protection you choose.
Customer visits, work at other locations, and products you sell can all create liability risks. The protection you need depends on your business activities and any client or lease requirements. A review with Cook Insurance can clarify whether general liability is appropriate and what other coverage may be needed.
General liability is commonly included in a Business Owners Policy (BOP), alongside business property and business income protection. If your business qualifies for a BOP, it can be a practical way to combine these coverages. General liability can also be purchased separately.
Generally, no. Work-related employee injuries and illnesses are addressed through workers’ compensation, which can help pay medical expenses and replace part of an employee’s lost wages. General liability serves a different purpose and doesn’t replace that protection.
LET’S START WITH A CONVERSATION

Let’s Review Your Business Liability Coverage.

Contact Cook Insurance to discuss a new business, review your current protection, or address changes in your operations. Get clear explanations of potential gaps and compare coverage options from multiple insurance companies.
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Discuss Your Coverage

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