Small business owners need an agent who understands business

General Liability is the business insurance policy every owner needs...

Most every small business owner can benefit from general liability business insurance because it provides protection against common risks that can arise in various industries. Here are some types of businesses that typically need general liability insurance:

Retail Stores: To cover incidents such as customer slips and falls, or property damage caused by the business operations.
Restaurants and Cafes: To protect against claims of foodborne illnesses, customer injuries, and property damage.
Construction and Contracting: To cover accidents, property damage, and injuries that occur on job sites.
Professional Services: Such as consultants, accountants, and lawyers, to cover claims NOT related to advice or practice- like injury or property damage. Professional Liability policies for errors and omissions and coverages for the advice and services you provide DO NOT cover general liability.
Health and Wellness: Including gyms, yoga studios, and massage therapists, to cover client injuries and property damage.
Manufacturing and Distribution: To protect against product liability claims and damage to third-party property.
Cleaning Services: To cover potential damage to clients' property and injuries that occur while performing services.
Landscaping and Lawn Care: To protect against property damage and injuries while working on clients' properties.
Technology Companies: To cover claims of bodily injury, property damage, and personal injury related to business operations.
Event Planning and Hospitality: To protect against claims arising from events, such as guest injuries or property damage.
Real Estate: Including property managers and real estate agents, to cover incidents that occur on properties being managed or shown.

Even home-based businesses and small startups can benefit from general liability business insurance, as it provides a safety net against unforeseen claims and potential financial losses. Essentially, any business that interacts with customers, clients, or the public should consider general liability insurance to protect against common risks.

If you have a specific type of business in mind and need more detailed advice, feel free to ask!

Frequently Asked Questions

Please reach us at anne@ramertinsurance.com if you cannot find an answer to your question.

What types of insurance besides general liability coverage does Ramert Insurance Group offer?

Here are the most common types of policies that businesses need. Depending on what you do, the size of your company and the customers you serve, you may need one of these or multiple. Our job is to help you understand these coverages and why you need them.

General Liability Insurance: This coverage protects businesses against claims of bodily injury, property damage, and personal injury that occur on the business premises or as a result of business operations.
Property Insurance: This protects a business's physical assets, such as buildings, equipment, inventory, and furniture, against risks like fire, theft, vandalism, and natural disasters.
Business Interruption Insurance: Also known as business income insurance, this covers lost income and operating expenses if a business is temporarily shut down due to a covered event, such as a natural disaster.
Workers' Compensation Insurance: This is required in most states and provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job. It also protects employers from lawsuits by injured workers.
Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this coverage protects businesses that provide professional services or advice from claims of negligence, errors, or omissions.
Commercial Auto Insurance: This covers vehicles owned or used by a business, providing protection against accidents, theft, and other risks associated with business-related driving.
Product Liability Insurance: This coverage is essential for businesses that manufacture, distribute, or sell products. It protects against claims of injury or damage caused by defective products.
Cyber Liability Insurance: This protects businesses against losses resulting from cyberattacks, data breaches, and other cyber incidents. It covers costs such as data recovery, legal fees, and customer notification.
Directors and Officers (D&O) Insurance: This provides financial protection for a company's directors and officers in the event they are sued for alleged wrongful acts while managing the company.
Commercial Umbrella Insurance: This extends the coverage limits of other liability policies, providing additional protection against large claims that exceed the limits of standard policies.
Employment Practices Liability Insurance (EPLI): This protects businesses against claims made by employees for wrongful acts, such as discrimination, harassment, wrongful termination, and other employment-related issues.

These are just a few examples, and there are many more specialized types of business insurance depending on the industry and specific risks involved. Let us customize coverage for you.

How do I file a claim?

You can file a claim by contacting us directly or using the online claim portal on your carrier website.

What companies do you write policies with?

We have access to over 50 companies including specialty carriers for bars, restaurants and gaming, contractors, real estate portfolios, towing companies and armed security companies.

Small business owners need an agent who understands business

General Liability is the business insurance policy every owner needs...

Frequently Asked Questions

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