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About General Commercial Liability Insurance
Commercial General Insurance covers a multitude of insurance policies that are tailored to particular companies to give them the fullest possible protection for their business. Our highly trained staff have a wealth of experience in the commercial insurance market and can find the cheapest commercial insurance for your company.
If you employ people on your business premises, it is a legal requirement that your commercial insurance includes employer’s liability insurance. This will give you protection should a member of staff suffer an injury at the workplace or becomes ill as a result of the work they do and you face a claim for compensation. Employer’s liability insurance will cover your company for any compensation the court asks you to pay and also for the legal costs of going to court. Even if you employ people on a part-time or short-term basis, you must include employer’s liability insurance as part of your commercial insurance plan.
If the nature of your business involves members of the general public entering your business premises, you should consider including public liability insurance as part of your commercial insurance plan. This protects you should you face a claim from a customer who receives an injury or whose property is damaged when visiting your premises. A fairly minor incident can trigger a claim for compensation, such as a customer who walks into a door and receives a bruise, so if your business premises places you in regular contact with the general public you should consider including public liability insurance as part of your commercial insurance plan.
If you work in construction or manufacturing, there is a greater risk of a major incident occurring and it’s now become essential for your commercial insurance plan to include public liability. Major incidents can occur on construction sites or on any premises that houses plant and machinery, and if you receive public funds your funder may well insist that you take out public liability insurance as part of your contract.
Your general commercial liability insurance plan should also include a property and contents policy. Again, if you receive grants or loans for the work you do (including loans from banks) your funder will almost certainly insist that you have this kind of cover to protect you if your tools or equipment or stock are stolen or damaged or completely destroyed. If you don’t own your business premises, it is worth checking that the owner has taken out property insurance as part of their commercial insurance. Whether you own the building or not, it’s vitally important that you over-insure rather than under-insure the full contents of your business premises. You should include not just the obvious things like computers, stock, and any other equipment and goods, but also your office furniture. All of your assets should be protected as part of your commercial insurance plan.
A commercial general insurance plan may also include professional indemnity insurance. This covers certain professions such as doctors and lawyers whose advice may be challenged by their clients. Professions such as these can face claims for compensation on the grounds that their treatment or advice resulted in some kind of injury (physical or mental) to the client. If your business involves giving out advice or information of any kind to the general public, or any kind of treatment or therapy, you should consider including professional indemnity as part of your commercial insurance.
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