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General Liability Coverage from GMG Insurance Laguna

As a business owner, you have a variety of liability exposures. At GMG Insurance Laguna, we can provide your firm with comprehensive solutions to protect your assets from the risks you face daily. We will put our breadth and depth of experience and expertise to work to determine the type and amount of liability insurance your business requires. We’ll review your operations and your existing insurance policies to make sure you have the proper coverage in place and see what we can offer you.

A commercial general liability policy from GMG Insurance Laguna can insure your company for many basic risks and will provide coverage for legal defense costs if those arise. Generally, it covers the costs of property damage, including rental property damage, for which you are found legally liable, as well as financial settlements or awards for bodily injury to persons. Medical payments for bodily injury to non-employees resulting from your business operations are also insured. These business liability policies will also cover allegations of slander and libel that don’t arise out of “professional services” provided by your company.

Broad Coverage But Limited

A business general liability policy offers excellent basic coverage, but it excludes professional services; errors and omissions (E&O); employment practices liability (EPL); directors and officers (D&O); and cyber liability coverage. For these (and others), you need to purchase other insurance. Some insurers will allow you to add to your general liability policy through an “endorsement” while others will have you buy a separate, stand-alone policy for the exposures you want covered.

Business auto liability insurance for non-owed, hired or rented vehicles is also an important coverage to consider.

Many industry-specific liability exposures can be accommodated within a business owners policy for your sector, and commercial umbrella insurance is a good way to expand how much liability insurance is available to you.

We can provide you with basic and comprehensive liability solutions.

Turn to GMG Insurance Laguna for knowledge, attention and reliability regarding your business insurance needs. Contact us (949) 715-7981 or email at pfreeman@gmgins.com.