Business liability insurance coverage is something most business simply must have, so it is essential that you understand what it covers.

Here are some general liability insurance coverage rules of thumb. To be sure about your specific business needs, be sure to consult with our qualified business insurance agents.

What’s typically protected by commercial liability insurance coverage

Businesses are risky, but business liability coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.

Lawsuits, investigations and settlements

If damages are filed against you or you’re sued, general liability insurance covers the insurance company’s investigation and attorney expenses, any judgment or settlement, medical expenses in case of injury and bonds if they must be subsequently posted.

Injury damages

Claims can arise from bodily injury or property damages resulting from accidents on your premises or from your products, your operations or advertising for your business.


Liability insurance can also cover things you may not have thought about, such as advertising injury in the event your company’s marketing violates someone’s copyright. Business liability insurance coverage even offers some protection against alcohol-related accidents (as long as your company is not in an alcohol-related business, such as the manufacture or distribution of alcohol).

As Insurance Brokers, we can review your current policy to make sure that you have the correct coverage and are paying a premium that fits your needs. Unlike State Farm, Farmers Insurance and Allstate Insurance, our company uses a variety of underwriters. This allows us a broad range of companies in which to secure a quote that actually meets your needs and fits your budget.

Our company can usually save you, the insured, between 15% – 18% on your current premiums. Why insure with one captive company when you can insure with a company that actually works on your behalf to save you money, that’s our job.

Contact a Direct Service Insurance agent to discuss general liability insurance at 805-641-0422.

With over 25 years of combined experience in the Insurance Industry and excellent custom service, we are your trusted local brokers specializing in all types of insurance solutions.

Request a Quote