Running a Business Comes with Risk—Let’s Make Sure You’re Covered
Protection Against Real Liability Risks
When you look around your business, it’s easy to focus on protecting your property, equipment, and day-to-day operations. But just as important—and often overlooked—is the risk of causing damage to someone else’s property or injury to others, which can quickly turn into a costly liability claim.
What General Liability Insurance Covers
General liability insurance helps protect your business from claims involving bodily injury, property damage, and certain personal or advertising-related issues. This can include situations like a customer getting injured, damage caused during your work, or claims involving reputational harm.
It doesn’t cover everything—like professional advice—but at Inland Northwest Insurance, we help businesses across the Inland Northwest understand exactly where coverage starts, where it stops, and what may need to be added based on their risk.
Key Areas of General Liability Coverage
General liability insurance is designed to protect your business across a few core areas:
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Bodily Injury – injuries caused by your work or business
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Property Damage – damage to someone else’s property
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Personal & Advertising Injury – claims from reputation or marketing issues
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Medical Payments – small injury costs, regardless of fault
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Damage to Rented Premises – damage to a space you lease or use
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Supplemental Payments – legal-related costs tied to a claim
How Much Does General Liability Insurance Cost?
The cost of general liability insurance depends on your business—things like what you do, your size, and your level of risk all play a role.
At Inland Northwest Insurance, we take the time to understand your business so you’re getting coverage that makes sense—not just a one-size-fits-all policy.
When Is General Liability Insurance Required?
General liability insurance isn’t always legally required—but in many cases, it’s expected. If you interact with clients, work on job sites, or enter contracts with other businesses, having coverage is often necessary.
In fact, many clients, landlords, and project managers will require proof of general liability insurance before allowing work to begin.
Let’s Make Sure You’re Ready
Whether you need coverage to meet contract requirements or simply want to protect your business from costly claims, we’re here to help businesses across Washington, Idaho, Oregon, and Montana.
Contact Inland Northwest Insurance to review your options and make sure your business is properly protected—from day-to-day operations to the unexpected!
General Liability Insurance FAQ
What is the difference between general liability and professional liability insurance?
General liability insurance typically covers third-party claims of bodily injury, property damage, and advertising injury, while professional liability insurance, also known as errors and omissions insurance (E&O), may help cover claims from a client suffering a financial loss due to your professional advice or services.
Does general liability insurance cover lawsuits?
If your business is sued for a covered claim, general liability insurance may help pay for legal fees, court costs, and settlements up to your policy limits, even if the claim turns out to be unfounded. Coverage varies by policy, so it’s important to review your specific policy with a licensed agent to understand what’s included.
What is the difference between general liability insurance and a business owners policy?
A business owners policy, or BOP, typically bundles general liability insurance together with commercial property coverage into one convenient policy, while a standalone general liability policy covers only third-party injury and property damage claims. A BOP may be a good fit for your business if you’re looking to protect both your liability and your property under one policy.
How much general liability coverage does my business need?
The right amount of coverage generally depends on your industry, the size of your business, your location, and any coverage requirements in your client contracts or leases. Speaking with a licensed agent is the best way to help make sure your coverage limits are the right fit for the risks your business faces day to day.
Let’s Get Started
General Liability Insurance Quote Request
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