General Liability Insurance in Virginia & Maryland
Beacon
General Liability Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
There are common liability risks that many companies in Virginia and Maryland face, regardless of how large they are. General liability insurance often helps protect against these risks.
Few companies in Virginia and Maryland are bereft of the risks that general liability coverage protects against, and the potential cost of a liability lawsuit can be devastating. For these reasons, most companies should have general liability in place.
Bodily Injury Coverage: May cover third-party injuries that a company is allegedly responsible for
Property Damage Coverage: May cover property damage that a company is allegedly responsible for
Personal Advertising Injury Protection: May cover libel, slander and false advertising allegations
Beacon Insurance Group is Here to Help
For decades, Beacon Insurance Group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.
Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance Group, we do the digging to find you the best possible coverage at the best possible price.
It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality general liability insurance.
Fill out the form to get in touch with a specialized general liability insurance agent and we will get you the superior customer service that you deserve!
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What is General Liability Insurance?
There are common liability risks that many companies in Virginia and Maryland face, regardless of how large they are. General liability insurance often helps protect against these risks.
General liability insurance is widely used across industries, and it’s one of the most common commercial policies that insurers offer. Despite the coverage’s prevalence, companies should still work with an insurance agent who’s familiar with general liability policies to make sure that the policy selected properly meets risk mitigation needs.
What Companies in Virginia & Maryland Need General Liability Coverage?
Few companies in Virginia and Maryland are bereft of the risks that general liability coverage protects against, and the potential cost of a liability lawsuit can be devastating. For these reasons, most companies should have general liability in place.
Moreover, companies broadly should carry this coverage regardless of whether they’re sole proprietorships, limited liability corporations, S corporations, C corporations or have another structure. The legal protections provided by these structures are different from those afforded by general liability coverage.
What Coverages Do General Liability Policies Provide?
General liability policies can vary in the coverages they provide, but most offer some basic protections:
- Bodily Injury Coverage: May cover third-party injuries that a company is allegedly responsible for
- Property Damage Coverage: May cover property damage that a company is allegedly responsible for
- Personal Advertising Injury Protection: May cover libel, slander and false advertising allegations
Some general liability policies might also offer product liability coverage, although this coverage isn’t as common and often is limited even when it’s offered.
Can General Liability Coverage Be Combined With Other Insurance Coverages?
General liability can be purchased on its own, but it’s most often acquired through a package policy that offers other protections as well. Business owners’ policies are basic package policies, and commercial package policies are more extensive ones. Both usually offer general liability.
How Can Companies in Virginia & Maryland Get General Liability Insurance?
For help finding general liability insurance, contact the Virginia and Maryland insurance agents of Beacon Insurance Group. Our team can recommend the best package policies that have general liability, because we’re an independent agency.
What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?
This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.
Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only come with years of experience.
But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.
Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!
