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General Liability

Business protection

Reliable Coverage for Every Enterprise

At John Sprague Agency, we understand the unique challenges that businesses face. Our General Liability Insurance provides essential protection for your business against potential risks and liabilities. Whether you are a small business owner or manage a larger enterprise, our coverage ensures that you can operate with confidence, knowing that you are covered for unexpected events that could impact your business. Trust us to help you secure your business’s future with reliable and comprehensive general liability insurance.

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Bodily Injury

Covers medical expenses and legal fees if someone is injured on your business premises or due to your business operations.

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Property Damage

Provides compensation for damage your business may cause to someone else’s property, including repair and replacement costs.

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Personal and Advertising Injury

Protects against claims of libel, slander, copyright infringement, and other advertising-related offenses.

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Medical Payments

Covers the cost of temporary housing and other expenses if your home becomes uninhabitable due to a covered loss.

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Legal Defense Costs

Provides coverage for medical expenses if a guest is injured on your property, regardless of fault.

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Product Liability

Ensures that you have sufficient coverage to rebuild your home even if the cost exceeds your policy limits, due to increased construction costs or other factors.

Frequently Asked Questions

  • Do I need General Liability Insurance if I work from home?

    Yes, even home-based businesses can face liability claims. General Liability Insurance protects you from risks such as client injuries, property damage, or advertising-related claims that can occur regardless of your business location.

  • Is General Liability Insurance required by law?

    General Liability Insurance is not typically mandated by law, but it may be required by your clients or landlords. Additionally, it provides essential protection that can save your business from significant financial loss due to unexpected claims.

  • How does General Liability Insurance differ from Professional Liability Insurance?

    General Liability Insurance covers physical risks like bodily injury and property damage, while Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, covers risks related to the professional services you provide, such as negligence or mistakes in your work.

Get in Touch

Ensure your business is protected from unexpected risks with our comprehensive General Liability Insurance. At John Sprague Agency, we are dedicated to providing you with the coverage you need to operate with confidence. Get in touch with us today to discuss your options and secure your business’s future. Give us a call now and let us help you protect what you’ve worked so hard to build.

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