Business Protection

General Liability Coverage

Every business faces risks. Commercial general liability insurance shields your business from the unexpected, including property damage and third-party injuries. At Wright Risk Consultants, we provide tailored policies that protect your business and help you operate with confidence.

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Tailored Policies

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Expert Guidance

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Fast Claims Support

Why You Need It

Protection From Every Angle

No matter how carefully you run your business, accidents happen. General liability insurance protects against lawsuits, property damage, and medical expenses. With Wright Risk, you can rest easy knowing your operations are covered and your reputation is secure.

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Comprehensive Risk Protection

Our general liability policies cover property damage, bodily injury, and legal expenses, ensuring your business is prepared for unforeseen incidents. We help you maintain operational continuity while safeguarding your reputation.

Responsive Local Support

As Tennessee-based advisors, we provide personalized support when you need it most. Whether answering coverage questions or managing claims, our team is here to guide you every step of the way.

Common Questions

 General Liability FAQs

Commercial general liability insurance can feel complex, but we’re here to make it simple. Below, we address common questions to help you understand your coverage and its importance for your business.

  • What does general liability insurance cover?

    General liability insurance protects against financial losses from third-party claims involving property damage, bodily injury, or personal injury like defamation. It also covers legal expenses, settlement costs, and medical bills related to covered incidents. This insurance is vital for businesses of all sizes, providing a financial safety net against common risks that could otherwise disrupt your operations and threaten your reputation.

  • Is general liability insurance mandatory?

    While not legally required in all industries, general liability insurance is often necessary to secure contracts, leases, or licenses. Many clients and landlords require proof of coverage as a condition of doing business. Even if it’s not mandated, having this coverage is critical to protecting your business from unexpected claims that could result in costly lawsuits or financial strain.

  • How much does general liability insurance cost?

    Costs vary based on factors like your industry, business size, location, and claims history. High-risk industries like construction typically pay more than low-risk businesses. At Wright Risk, we work with you to find cost-effective coverage tailored to your needs, ensuring your policy is affordable while providing comprehensive protection against potential risks.

  • What types of businesses need general liability insurance?

    Almost every business benefits from general liability insurance. It’s especially crucial for businesses that interact with the public, such as retail, construction, or professional services. Even small home-based businesses can face liability risks. Wright Risk tailors policies to suit your business type, offering coverage that protects your assets and operations, no matter your size or industry.

  • What’s not covered by general liability insurance?

    General liability insurance doesn’t cover employee injuries, professional errors, or damage to your business property. These risks are addressed by other policies like workers’ compensation, professional liability, or commercial property insurance. We help you understand these distinctions and build a comprehensive insurance portfolio to fully protect your business from every angle.

  • Can I bundle general liability with other policies?

    Yes, bundling general liability insurance with other coverages, such as property insurance or a business owner’s policy (BOP), can save money and simplify management. Wright Risk Consultants can help you combine policies to streamline coverage while ensuring you have robust protection against the unique risks your business faces.

  • How do I file a claim under general liability insurance?

    To file a claim, contact our team with details of the incident, including any related documentation or witness statements. We’ll guide you through the process, ensuring timely resolution and minimal disruptions to your operations. Our dedicated team works closely with insurers to advocate for your business and expedite claims handling, providing peace of mind when you need it most.