N. Raleigh | (919) 878-7786
S. Raleigh/Garner | (919) 661-1100

General Liability Insurance

General Liability Insurance Information

General Liability Insurance

Raleigh, Garner, Clayton, Fayetteville, NC

Business owners must carry insurance. It's exists to help the business owner protect itself and others from problems that might unexpectedly arise, and that could cost a lot of money. One of the essential policies on the market is general liability insurance. Every business needs it in some shape or form.

ACF Insurance Services has a dedicated team of agents standing buy to help any commercial insurance customer compare, research and enroll in top-of-the-line liability coverage. We can help you, too.

Why Choose ACF Insurance?

Greater Raleigh is one of North Carolina's major commercial centers. In fact, WalletHub ranks both Raleigh and Durham among the top 10 large cities to start a business. If you're starting yours, don't worry about how you'll insure it. Let ACF Insurance Services help. We insure businesses throughout the Tar Heel State, and guarantee our customers master-backed liability policies and their respective costs.

What Is General Liability Insurance For Small Businesses?

Regardless of whether you run a restaurant or a manufacturing plant, problems might occur at any time that harm other people, such as your clients. To help those who sustain harm as a result of your mistakes or negligence, you can turn to your business' general liability insurance to compensate them for their losses. By having it, you won't have to pay out funds to others that you might have used for other purposes. Instead, you can protect your hard-earned money for another day.

What Is Covered Under Liability Insurance?

General liability insurance can contain multiple types of protection:

  • Bodily Injury Liability Coverage: This coverage pays when someone gets hurt in the business.
  • Property Damage Liability Coverage: If you damage someone else's property, this coverage can pay for the costs of their repairs.
  • Personal Injury Liability Coverage: If someone accuses your business of libel, slander or a related offense, this coverage can help you pay.
  • Products Liability Coverage: If you make a product which then harms another party, this coverage can pay for that person’s injury bills or property damage.
  • Completed Operations Liability Coverage: Workers that provide services, such as household repairs, might make a mistake during the job which fails after they finish the job. This coverage can pay for the damage resulting from the failed product.
  • Contractual Liability Insurance: If you sign a contract which assigns you certain liabilities, this coverage can help you pay for the costs of recovery.
  • Accidental Medical Payments Coverage: Someone might get hurt in your business, but the accident might not be your fault. This coverage can help you cover that person's medical costs, regardless of fault, and might help you avoid lawsuits.
  • Legal Assistance Coverage: If a liability claim leads to a lawsuit, this coverage can pay for the costs of your recovery.

Why Do I Need General Liability Insurance?

Suppose that a client slips in a puddle of water near a leaky sink and sustains a severe injury. This accident might cost them not only medical costs, but also lost income and other financial challenges. The client might sue you for their losses. Your general liability insurance can help you out with multiple costs of these scenarios. You’ll have a resource to compensate someone harmed by your mistakes.

Is General Liability Insurance Required By Law?

In most cases, liability insurance isn't required by law. However, the wise small business owner will always have this coverage anyway.

You can often find your general liability policy as part of a Business Owners Policy, also called a BOP. This is a package of insurance that will contain multiple types of insurance, and it will usually include liability insurance. If you need specialty liability coverage not offered by a BOP, then we can help you get it.

Ready To Get Started?

Contact us today for a fast, free general laibility insurance quote. You can start online or over the phone.

  • Our Raleigh office phone number is (919) 878-7786.
  • You may also reach us at our South Raleigh/Garner location at (919) 661-1100.
  • We can get you a quote quickly, and we will do all the legwork for you.

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