Who needs General Liability Insurance? The short answer is, anyone who owns a business.
This policy is designed to protect you in the event of a law suit, or something you could be held liable for.
Typically, if you are doing work for someone they will request a Certificate of General Liability Insurance.
In some circumstances you will need to provide workmen’s compensation coverage and business auto liability on this certificate as well.
These will all have specific limits required based on the job or who you are doing the work for.
These are sent from us, your insurance agency.
As your agent, we are required to obtain the name of the certificate holder , their physical address, and their email, so that we can get this out to them promptly.
I’m many instances they may require you to list them as an additional insured, and we can endorse this on your policy at a fairly low cost as well.
Some types of trades that you will be requested to carry or required to carry General liability insurance include but are certainly not limited to:
Carpentry
Excavation
HVAC
Restaurants
Marijuana Grow
Flooring Installation
Roofing Companies
Guttering
Liquor stores
Home Builders
Marijuana Dispensary
Retail Shops
Manufacturing of any kind
Welding
Fence Installation
Concrete/ Gravel leveling
Tree trimming/ removal
Landscaping/ lawn mowing
Herbicide/ Pest Control
Taverns/ Bars
Hair- Beauty Salons
Gym/ Fitness Facilities
Marijuana Processors
Realtors
….and MOST ALL other businesses, especially if you lease a space, as a business owner your landlord may require premises or general liability as well.
We are always here to help
You via phone/ text for all insurance consulting questions and as a fully licensed insurance agency to quote, write and serve all of your insurance needs
405-261-5179
Always, stay safe, and stay insure!!!
