Liability Coverage
General Liability Insurance for Minnesota Businesses
Protect your business from unexpected accidents and claims with general liability insurance. Our coverage helps you handle legal costs, damages, and settlements, allowing you to focus on running your business.
Your Questions
General Liability Insurance FAQs
General liability insurance covers a wide range of risks, but it can be complex. Here, we answer common questions from business owners like you.
What does general liability insurance cover?
General liability insurance covers claims related to bodily injury, property damage, and personal injury caused by your business. This includes accidents like customer injuries on your property, damage to a client’s property, and legal fees if a claim is filed against you.
Do I need general liability insurance if I have a small business?
Yes, small businesses benefit greatly from general liability insurance, as they may be more vulnerable to financial strain from unexpected claims. Liability coverage protects against common risks and can help prevent costly out-of-pocket expenses for small business owners.
What types of businesses need general liability insurance?
Most businesses can benefit from general liability insurance, especially those that interact with customers, work with client property, or operate in public spaces. Retailers, contractors, and service providers all rely on liability coverage to protect their operations and assets.
How much coverage do I need for general liability insurance?
The amount of coverage depends on your business size, industry, and risk factors. Our team assesses your unique needs and recommends coverage that provides sufficient protection without exceeding your budget. We aim to help you find a balance that fits your specific risk profile.
Does general liability insurance cover employee injuries?
No, employee injuries are covered under workers’ compensation insurance, not general liability. General liability insurance covers third-party claims, like customer accidents or damages to client property. We can assist you with workers’ comp to ensure your team is protected as well.
Can general liability insurance be customized?
Absolutely. We offer flexible policy options that can include additional coverages for unique risks, like product liability or data breach protection. Our goal is to tailor a policy that aligns with your specific needs, helping you manage risk across your business.
How much does general liability insurance cost?
Premiums vary based on your business’s size, location, and industry. At Garry Insurancenter, we work to find affordable, competitive rates that meet your coverage needs. Our goal is to provide comprehensive protection without straining your budget.
Why choose Garry Insurancenter for general liability insurance?
As a family-owned agency with deep Minnesota roots, we understand the unique needs of local businesses. With over 50 years of experience, we provide personal, dependable support to protect your business from the unexpected. Our team is here to help you build a policy that covers you fully, so you can focus on running your business with peace of mind.
