General Liability Insurance in Manchester CT

general liability insurance manchester ct

General Liability Insurance in Manchester CT


When you’re looking for the best general reliability insurance in Manchester CT, contact The Insurance Store of CT. Many business owners need a general liability insurance policy to help protect them. However, you may be asking yourself, “What does general liability cover?” The Insurance Store of CT is happy to explain and help you find the best policy for you.

General Liability Insurance

General Liability Insurance helps protect your business from claims that it caused. This includes bodily injury, property damage, and personal injury. These risks can come up during normal business operations completely unexpectedly. It can get expensive for businesses to cover, so it’s very important you are prepared for this with proper coverage.

Average Cost of Slip and Fall 

Surprisingly, the average cost of a slip and fall claim is $20,000. If you’re faced with a repetitional harm lawsuit, then you should be prepared to pay up to $50,000. Without general liability insurance coverage, your business would have to pay this out of pocket. A general liability policy helps cover claims that come up during normal business operations. It can also help pay for medical expenses.

Property Damage 

General liability insurance may also help pay for property damage costs. An example would be if you accidentally broke a client’s window while working on their property. This insurance can help cover the repair or replacement costs to fix the windows. If the customer sued you, the general liability can help pay for your business’ defense costs if it gets sued.

Other Terms Covered: 

General liability insurance may also cover administrative costs to handle covered claims, court costs, judgments and settlements for covered claims up to your coverage limits. 

What Does General Liability Insurance Not Cover?

Although general liability insurance is very helpful, there are some things it doesn’t cover. For example, it doesn’t cover commercial auto accidents. This could be caused by you or your employees while driving for work, but it is still not covered. For this, you’ll need different types of coverage to give your business more protection. If your business doesn’t have company-owned vehicles, then non-owned auto coverage could help, too. However, be aware that many states require certain types and amounts of auto coverage, including bodily injury liability coverage or property damage liability coverage.

Workers’ Compensation

Workers’ compensation insurance gives your employees benefits to help recover from a work-related injury or illness. For example, it can help cover an employee’s medical bills and ongoing care expenses. Depending on your state, you can get this insurance from a private insurance company, state-run agency, or a monopolistic state fund. 

Umbrella Insurance 

Commercial Umbrella insurance covers costs that exceed the limits of your general liability insurance policies.

The Insurance Store of CT works with you to find which policies work for your situation at the best rates. Many insurance companies offer general liability insurance, but not all of them specialize in working through multiple insurance companies to find which rate works best for you. We have years of experience and have helped over thousands of people just like you. Whether you have questions about different types of insurance or need help with a claim, we’ve got your back. Our insurance specialists are here for you and can help you get the right coverage for your business.


Get a general liability insurance quote today. (860) 645-1960

General Liability Insurance | Manchester CT | The Insurance Store of CT