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Introduction- What is General Liability Insurance?

General liability insurance coverage in Minnesota protects businesses from liability claims that tend to arise as a part of normal day-to-day operations. It is also known as business or commercial general liability, abbreviated for CGL. This insurance covers a lot of claims like property damage, third-party bodily injury, personal injury, product liability and copyright or advertising injury.

However, it should be noted that general liability insurance does not cover employee injuries, or punitive damages which may vary according to states, auto incidents, workmanship, professional mistakes and intentional acts.

We are here to help you out in every scenario of insurance coverage in Minnesota. From learning about general liability insurance to getting one general liability insurance quote as per your need, we are here to help with both. All you have to do is fill up the details in the short form or give us a call at 952-469-0425.

General Liability Insurance Coverage

  1. Third-party bodily injury

General liability insurance coverage helps businesses by protecting them from any legal procedures that have happened due to a third-party bodily injury. For instance, if a customer has slipped or fallen in the store and has sustained injuries, there are chances that they might sue your business. In such cases, general liability insurance helps to cover the medical bills of the third party.

  1. Property damage

There are many businesses in Minnesota and other states as well that require employees to work at the client’s house or workplace. In such cases, there are chances of businesses causing property damage to the client. The third-party property damage liability coverage pays for the repair or replacement costs of the property that has been damaged by your business employees.

  1. Reputational harm

Also known as libel or slander defamation, if someone from your business staff has given a false statement, the other party about whom the statement has been made can sue your business. General liability helps to cover the legal costs that have been used to defend your business.

  1. Advertising injury

In this evolving world, most of the images and videos are copyright-encrypted. If anybody violates the copyright and uses it to in their business advertisements, the owner of the video holds the power to sue the business for copyright infringement. The general liability will protect the business by covering up any legal costs for the same.

Examples of Businesses That Require General Liability Insurance

Here are a few examples of businesses in Minnesota that may require general liability insurance to protect their business and grow along!

    • Bakery
    • General Contractor
    • Restaurant
    • Roofing – Roofer
    • Carpenter/Carpentry
    • Hotel
    • Car Wash
    • Salons
    • Plumber
    • Electrician
    • Floor Covering/Carpet Installation
    • Convenience Store
    • Home Builders
    • Tailor Shop
    • Masonry & Concrete
    • Janitorial – Cleaning
    • Lawn Care and many more!

Amount Of Coverage A Business Needs

Three factors influence the amount of coverage needed by a business in Minnesota, they are as follows

  1. Perceived Risk

A business comes with potential risks associated with the operations and functions that will be carried out. For example, if a piece of heavy equipment has been manufactured, it would generally require a higher coverage as compared to other organizations that manufacture small cars for kids.

  1. Premises and Operations Liability

If you are located in a state commonly known to provide high compensation for damages, you may consider buying higher limits of liability.

  1. Type Of Product Manufactured

This is particularly useful if you manufacture a dangerous product and would like to ensure that you are covered in case of a disaster.

Top Cities Where We Provide The General Liability Insurance in Minnesota

  • Minneapolis
  • Saint Paul
  • Rochester
  • Bloomington
  • Duluth
  • Brooklyn Park
  • Plymouth
  • Woodbury
  • Lakeville
  • Blaine
  • Maple Grove
  • Clous
  • Eagan
  • Burnsville
  • Coon Rapids and many others

The Right Insurance Agent

We work professionally and aim to ease the work of our clients. With years of experience in the industry, we are not just a regular insurance agency but an expert in understanding the core needs of our clients and working till we find the best quote for them in Minnesota. We are located in the land of Ten Thousand Lakes– Minnesota and are always at your service to provide the best quotes for general liability insurance and other insurances as well.

The information that our agents may ask for is as follows

  • Business Name
  • Type of Business
  • Address
  • Owner’s Information
  • Phone
  • Email
  • Names Of The Employees
  • Claim History Letter

Be rest assured as your details are secured with us and we guarantee no misuse of your information including infinity calls for taking other insurance coverages.

Get The Right Insurance Coverage in Minnesota

Our agents work day and night to meet the right insurance quote as per the client’s needs. We are insatiable until we find the right quote! We are not only talks, our experienced agents with years of expertise are the proof of businesses to thrive in this ever-evolving world of businesses. In all the work, all you need to do is focus on your business after helping us with important details of your business and yourself. The rest is upon us!

As your online insurance general liability insurance provider, we shop multiple companies that save you both money and time. We offer you a general liability insurance solution that covers all the bases, for a very reasonable cost. However, we have qualified business insurance agents available to consult you on all matters concerning business insurance—free of charge.

  1. Fill In The Details!

Fill out the quick short form, so that we can get back to you with a quotation of the exact amount you need to pay for the specialized services you require. Our licensed insurance agent will start researching your Minnesota general liability insurance quote immediately.

You can also skip the form dilling formality and call us at 952-469-0425 for a more detailed overview and one-on-one contact with our agents.

  1. No Hassle

When you’re ready to move forward, we’ll forward the relevant forms to be completed electronically. You can sign them on your smartphone or computer from the comfort of your home. It is simple, speedy and smooth.

  1. Secure Payment Processing

It’s paid by phone, the old-school secure way of doing things for the new digital age.

The Result

You have made a wise decision to have a general liability insurance cover at the right price. All your time is saved as the agents of our business get to work immediately after your responses and now you are at ease as your business is well protected by the general liability insurance coverage.

Get in touch with us today for we shall offer you efficient and effective solutions for your general liability insurance needs!

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