• Intentional torts against the person. These normally can include assault, battery, false imprisonment, and false arrest. The standard commercial general liability insurance policy typically does not provide coverage for these losses unless it is specifically endorsed onto the policy. When obtaining general liability insurance quotes make sure that this is an option.
• Defamation. These are written statements that are made public that can damage the plaintiff’s reputation and/or asking in the community. Slander is another form of defamation which is done in an oral form publicly. Finally, libel is defamation that is put out in the public arena in a written format. These coverages can all be endorsed onto the insurance contract by the insurance company.
• Invasion of privacy. This involves some violation of privacy specifically with regards to seclusion or the ability to be free from publicity. This potential loss too can be added to the liability policy. If you are a contractor the contractors liability insurance might also need to be extended to cover third parties.
• Fraud. Fraud deals mainly with deceiving and/or deception of another party in trying to get the other party to part with their property in an illegal manner. Normally, this is not covered under the liability policy and is best covered under employee dishonesty bonds. Limited liability insurance is available on the standard policy.
• Bad-faith. This is an outrageous breach of implied conduct of dealing with all parties concerned in a good faith and fair manner. Sometimes by expanding the contractual liability provision of the liability this coverage can be provided.
• Business relationships interference. These losses arise out of intentional interference with business relationships with the intent to cause injury or harm. Sometimes these types of torts manifest themselves as false information, competition that will is unfair and/or illegal, interfering with a company or person’s employer, or interference with a trademark, patent, copyright and the like. Again these are specially coverage not normally covered under the liability policy but can be endorsed. If you own a restaurant and have restaurant liability insurance you might have specific coverage to protect you in this very competitive industry.
• Legal process misuse. Usually this is described as Melissa’s prosecution. This involves filing frivolous lawsuits and the like. The specific typical loss is difficult to defend but with the broad and liability policy coverage is sometimes available. An online general liability insurance quote needs to be reviewed carefully to make sure you have this coverage.
• Intentional torts against property. Usually is manifested in the form of a trespass on a person’s property and/or possession, or a conversion of another person’s property which in essence is theft. As was stated previously normally intentional acts are not covered under the liability policy but can be endorsed, this particular loss is problematic in finding coverage.
• Nuisance. This can be a private nuisance or a public nuisance. The private nuisance involves some sort of interference with another private property’s owner’s constitutional right of enjoyment of their real property. The public nuisance usually affects a greater number of people and involves the local governmental to intervene in these offenses. The standard liability policy does not cover intentional torts to someone who is intentionally creating a nuisance probably will not be able to find coverage within their liability policy. Remember, getting free business general liability insurance quotes can be full of pitfalls if you don’t consider the source as being reliable and authoritative.

In conclusion, these nine intentional torts are usually not covered in the standard liability policy. For most of these intentional torts coverage can be enhanced or endorsed onto the liability policy. For those that cannot be covered under the liability policy there are special policies and/or bonds available to provide the coverage which is needed. Commercial General Liability Insurance and possibly a commercial insurance umbrella that has the proper endorsements may be all that you need to give you the peace of mind you are looking for.

TOTAL ANNUAL PREMIUM $350 (varies by state)* ===> CLICK HERE FOR CERTIFICATE <===
See below for coverage limits

Liability Coverages	Limits of Insurance	Premium
Business Liability Insurance Each Occurrence	$1,000,000
General Aggregate	$2,000,000	$ Included
Products/Completed Operations Aggregate	$2,000,000	$ Included
Personal and Advertising Injury	$1,000,000	$ Included
Damages to Premises Rented to You	$ 300,000	$ Included
Medical Expenses	$ 10,000	$ Included

*(This price is accurate for most businesses that are the primary office exposures with less than 1,500 square feet of office space, less than $150,000 in annual receipts and less than 10 employees)

Key components

In order to obtain a commercial insurance quote there are some specific items that need to be addressed.

Classifying your small business correctly is the first step in obtaining a commercial insurance quote. A detailed description of your products and services is important for the general liability classification process.

The next step in getting a business liability insurance quote is to determine the rating basis from which the premiums are promulgated. Some of the typical rating factors include:

• square-footage of your small business
• the annual gross payroll
• the annual gross sales
• number of employees

Another component of getting a commercial insurance quote is to assess the claims and losses. Insurance companies typically frown upon high-frequency or high severity claims potential. Most insurance companies are not looking to provide insurance for general liability claims that are frequent and severe.

Risk management and loss control are an important factor in getting a commercial insurance quote from insurance companies. The subjective part of the pricing for an insurance quote can be usually debited or credited up to 25% of the premium depends upon whether or not your small business has sound risk management practices in place.

If you as a small business owner will address these four steps in obtaining a commercial insurance quote, you will be well on your way to obtaining the best pricing possible. The first two steps are more objective while the last two steps are more subjective. Presenting your small business in the best possible light to the insurance companies will in turn provide you with the best possible commercial insurance quote from the insurance companies.

TOTAL ANNUAL PREMIUM $425* ===> CLICK HERE FOR CERTIFICATE <===
See below for coverage limits

Liability Coverages	Limits of Insurance	Premium
Business Liability Insurance Each Occurrence	$1,000,000
General Aggregate	$2,000,000	$ Included
Products/Completed Operations Aggregate	$2,000,000	$ Included
Personal and Advertising Injury	$1,000,000	$ Included
Damages to Premises Rented to You	$ 300,000	$ Included
Medical Expenses	$ 10,000	$ Included

*(This price is accurate for most businesses that are the primary office exposures with less than 1,500 square feet of office space, less than $150,000 in annual receipts and less than 10 employees)

The Elements of Sound Decision Making for Obtaining Liability Quotes

This policy which serves as the basis for almost all small business insurance programs needs to be purchased with a few key elements in mind. The key elements of a public liability insurance quote are:

• Education of the broker
• Experience of the broker
• Expertise of the broker
• Ethics of the broker
• Expanse of services and products from both the broker and the carrier.

Let’s look at how this plays out.

In getting a public liability insurance quote there are really two buying decisions. One is to decide which insurance company you are going to use and the second one is to decide which broker you are going to access the carrier through.

Education of the broker –

In the insurance industry there are several professional designations that available for a broker to obtain. A broker who is providing a public liability insurance quote should have the professional designation of CPCU (Chartered Property & Casualty Underwriter) or the ARM (Associate Risk Management). They two designations go through some 15 national exams on the subject matter of General Liability, Professional Liability, Small Business Liability, and Public Liability Insurance Quote.

Experience of the broker –

The years of experience of a broker are very important. Someone who is new in the business clearly does not have the experience to design the correct insurance portfolio for a small business.

Expertise of the broker –

A broker that has expertise in public liability insurance usually specializes in specific niches. As the insured it is prudent for you to look for a broker who specializes in your small business industry.

Ethics of the Broker –

While it is hard to judge the ethics of a broker, and insuring with a broker who has a professional designation means the broker has agreed to the professional designations standard of ethics.

Expanse of services and products –

Finally, it is important to know of the breadth and depth of the services and products that the broker can provide. The broker should have a variety of general liability and public liability insurance companies available for you to choose from.

TOTAL ANNUAL PREMIUM $350 (varies by state)* ===> CLICK HERE FOR CERTIFICATE <===
See below for coverage limits

Liability Coverages	Limits of Insurance	Premium
Business Liability Insurance Each Occurrence	$1,000,000
General Aggregate	$2,000,000	$ Included
Products/Completed Operations Aggregate	$2,000,000	$ Included
Personal and Advertising Injury	$1,000,000	$ Included
Damages to Premises Rented to You	$ 300,000	$ Included
Medical Expenses	$ 10,000	$ Included

*(This price is accurate for most businesses that are the primary office exposures with less than 1,500 square feet of office space, less than $150,000 in annual receipts and less than 10 employees)
Liability insurance for small business is a key building block in protecting the lively-hood of a small business.

Liability insurance covers negligent “tort” acts. Torts are civil wrongs. Liability insurance can also cover vicarious liability and contractual liability. Vicarious liability is created when someone acts on behalf of someone else. Sometimes this is referred to the doctrine of agency or principal. Contractual liability arises when by contract you have agreed to indemnify another party for your acts of negligence that have created a bodily injury or property damage.

What liability insurance does not cover are intentional acts or criminal acts.

Typically the liability insurance covers accidents that happen or occur on the premises. Coverage is also extended to cover your off premise operations and or services. If your small business sells a tangible product, coverage is provided from claims arising out of accidents from the use of your products.

Some of the more common coverages that you will seen in liability insurance specifically for small businesses is coverage for accidents and claims that create some kind of bodily injury or damages someone’s property. There is also coverage for slander which is defaming someone orally and for libel which is defaming someone in writing. The liability policy can also cover advertising injury, which can be very costly to defend without insurance for this type of claim. Large corporations and the competitors of small businesses are always looking for a way to bring a lawsuit against what they believe to be false advertising. As was stated earlier, intentional acts are not covered but unintentional false advertising would normally be covered under the liability insurance for small business.

As always, please review to your specific liability policy as coverages can be unique to your type of small business.

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TOTAL ANNUAL PREMIUM $350 (varies by state)* ===> CLICK HERE FOR CERTIFICATE <===
See below for coverage limits

Liability Coverages	Limits of Insurance	Premium
Business Liability Insurance Each Occurrence	$1,000,000
General Aggregate	$2,000,000	$ Included
Products/Completed Operations Aggregate	$2,000,000	$ Included
Personal and Advertising Injury	$1,000,000	$ Included
Damages to Premises Rented to You	$ 300,000	$ Included
Medical Expenses	$ 10,000	$ Included

*(This price is accurate for most businesses that are the primary office exposures with less than 1,500 square feet of office space, less than $150,000 in annual receipts and less than 10 employees)

Commercial General Liability Insurance is the cornerstone of liability insurance for small business. It goes by many names; Business General Liability Insurance, Business Insurance, General Liability Insurance (GL), Liability Insurance, Public Liability Insurance, Bodily Injury (BI), Commercial General Liability (CGL) are the common descriptions.

There are several broad categories of Business General Liability Insurance, and any commercial insurance quote should include the following:

• Bodily Injury

• Property Damage

• Personal Injury (typically this includes libel and slander)

• Advertising Injury

The Commercial General Liability Insurance policy also covers the cost to defend or settle claims – even if the claims are without merit.  The defense cost coverage is typically unlimited on the standard policy.

Commercial General Liability Insurance provides protection from financial losses to your business as a result of accidents or claims in the four basic categories. (Coverages vary in all 50 states to some degree.).

• Automatic additional insured.Contractual liability is covered under this provision when you enter into a contract with a third party.

• Personal and Advertising Injury. Provides protection if someone claims injury from something in writing (libel) or something that was said orally (slander) that injures you personally or financially

• Employment Practices Liability. Usually not covered on the Business General Liability Insurance but can be added or a separate policy can be purchased.  Provides protection from a delineated list in the coverage of employment type claims from employees.

• Defense Costs. Pays legal fees, court fees and defense costs, normally without limit.

• Medical Expenses. Pays the appropriate medical cost for an on premises injury without regards to fault.  Sometimes referred to as “Good Samaritan” coverage.

• Premises and Operations Liability. Provides protect from accidents and claims brought forth on you premises that arise from bodily injury or property damage to third parties.

• Tenant’s Liability. Provides protection for you from claims from the landlord due to damages you cause to the space you are renting, but not for wear and tear.

Please Note: This is just a summary and the actual policies terms, conditions and exclusions prevail.

Why do you need Business General Liability Insurance?

• Business General Liability Insurance gives you peace of mind.

Having adequate coverage on your business site or at your offsite jobs can provide the protection from claims and losses that a small business cannot afford to pay out of its cash reserves.

Protecting your assets and your cash flow can be easy and affordable with a Business General Liability Insurance policy.

• Provides proof for your vendors and clients who want a “certificate of insurance”

The Business General Liability Insurance will provide the necessary coverages that are standard requirements from many of your vendors and clients.  Having this coverage in force will allow us to provide you with a certificate of insurance that outlines all these coverages and will satisfy their requirements.

Additional coverages that might be needed in a typical small business insurance quote:

• Professional Liability also called Errors and Omissions insurance (E&O) is another insurance policy that you might need to consider. It covers your professional services such as your advice and counsel that you are giving to your clients.

• Umbrella Liability also called Excess Liability is a policy that can provide higher limits for those vendors and clients that require it.

• Directors and Officers (D&O) coverage might be needed if your corporation has directors or if you are a director for a non-profit company.

This discussion about the Business General Liability Insurance is foundational in building a comprehensive insurance portfolio to protect your business’s assets and cash flow. Small business insurance quotes are easily obtained. We can provide you with a quote in less than 10 minutes, in most cases.