General liability insurance is critical to any business. It provides your company with financial protection against claims of bodily injury and property damage from others. At Top Grade Insurance, we remain committed to shielding you and your business from lawsuits and liability concerns arising from your daily business operations. Our agency works with the best insurance carriers to provide optimal coverage for every business

Protect your business
Your business interacts with people from all walks of life, from contractors to customers, leading to increased risks.

Our Coverage Options
We offer comprehensive but specific coverage to protect your business from potential third-party claims.
This package protects your business if someone gets injured on your premises. It covers their medical expenses, lost wages, and ambulance fees.
If your employee damages a client’s property when working offsite, general liability can help offset the costs. It covers repair and replacement costs.
This policy covers damage caused to an individual or another firm’s reputation by your company’s actions or employees’ activities. It can help offset legal fees, administrative costs, and settlements.
If a customer buys a flawed or defective product from you, they can file a claim against your business. Product liability covers any claims arising from harmful or faulty products.
You might unknowingly use patented ideas and copyright materials when marketing your business, resulting in advertising injury. This cover compensates affected parties for claims linked to copyright violations and infringement.
At Top Grade Insurance, we can help you find comprehensive insurance packages to protect your business from financial losses. Contact us today for a free quote.
Frequently Asked Questions
- Is General Liability Insurance required by law for my business?
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This insurance isn’t legally required in most cases, but certain industries, contracts, or client agreements may mandate it. Additionally, some states or local governments require it for specific types of licenses or permits.
- How does General Liability Insurance interact with other types of business insurance?
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This policy primarily covers third-party bodily injury and property damage, while other policies, like Professional Liability or Workers’ Compensation, cover specific risks. Each policy complements the others, offering a broader safety net for different types of claims.
- Can General Liability Insurance cover lawsuits related to online activities?
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While General Liability Insurance may cover claims like copyright infringement in advertising, it generally won’t cover cyber incidents or data breaches. For such risks, Cyber Liability Insurance is more appropriate.
- How does the size or location of my business affect General Liability Insurance premiums?
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Factors like business size, location, industry, and risk exposure impact premiums. Businesses in high-risk industries or with larger customer foot traffic typically see higher premiums due to increased risk of claims.