top of page

Tips for Purchasing General Liability Insurance

By Porter Brandenburg

4 Tips for Purchasing General Liability Insurance
(Photo by Getty Images)

You already know that you need insurance coverage for your business. But how much do you understand about the general liability process? How do you know what it covers, the different types of risk, and how your industry plays a factor? Here are four tips to keep in mind when purchasing general liability insurance.

Tip #1: Know What’s Common for Your Industry

Different industries require unique levels of coverage. What might be appropriate for a clothing boutique may not be enough for a general contractor. Likewise, a consultant who works from home probably doesn’t need anything close to the same level as an industrial machine shop.

In these cases, you'll need to adjust your liability insurance as necessary. Make sure it includes coverage for risks specific to your industry. Talk with your agent about what is common for your industry and make decisions based on his or her recommendations.

Tip #2: Understand Both Physical and Intellectual Risks

Did you know that not all liability claims come from physical harm? General liability insurance also often protects against intellectual risks, such as copyright infringement and reputation damage. These are often referred to as personal injuries in a policy. Understanding the difference and applying that knowledge to your specific business is important when purchasing a policy.

Tip #3: Find Out What Your Policy Covers

Most general liability insurers offer similar types of coverage. However, it is very important to find out what your policy covers in the event of a future claim. Common examples include legal costs, medical bills, and settlement costs associated with bodily injury to others and/or property damage. If you have any particular concerns, ask your agent whether you can extend protection.

Tip #4: Make Efforts to Reduce Your Risk

While having a general liability insurance policy is important, you still need to attempt to reduce your risk in any manner possible. This includes:

  • Stowing away tripping hazards

  • Marking exits clearly

  • Providing detailed product information to your customers.

  • Properly training employees to spot instances of danger.

  • Promoting a strong safety culture within the workplace.

  • Refraining from making slanderous comments about others—both verbally and the internet, including on social media.

While these are just a few of the different aspects of purchasing general liability insurance, the process really begins by sitting down and meeting with your local agent.

Industries we specialize in at The Huttenlocher Group:

Manufacturing Insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance


Original article shared here:

Offering general liability insurance in Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, Bloomfield Hills, Ferndale, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, and Highland, Michigan. As well as Oakland, Macomb, Wayne Counties, and surrounding areas.

The Huttenlocher Group

1007 W Huron St, Waterford , MI  48328

(248) 681-2100

1007 W Huron St, Waterford Twp, MI 48328

(248) 681-2100

  • Grey Facebook Icon
  • Grey LinkedIn Icon
  • Grey Google Places Icon

CA License: 0G47886

We use cookies to personalize and enhance your experience on our site.  Visit our Privacy Policy to learn more. By using our site, you agree to our use of cookies, as well as our Privacy Policy and Terms of use.

bottom of page