General Liability Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

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Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

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When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.

General Liability

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We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!

General Liability

Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

General Liability Insurance

General Liability Insurance is a type of business insurance that provides financial protection to businesses against claims and lawsuits filed by third parties for bodily injury, property damage, or personal injury. It acts as a safety net, safeguarding your business from potentially devastating expenses resulting from legal disputes. General Liability Insurance is essential for businesses of all sizes and industries as it offers a strong layer of protection against unforeseen events. By having this coverage, you can mitigate financial risks associated with legal liabilities, including legal defense costs, settlements, or judgments. Furthermore, it helps maintain your business’s reputation and fosters trust among clients and customers.

General Liability Insurance typically includes coverage for:

Bodily Injury: If a person gets injured on your business premises or due to your products or services, this coverage helps pay for medical expenses, legal fees, and possible settlements.

Property Damage: If your business operations cause damage to someone else’s property, this coverage helps cover the cost of repairs or replacement.

Personal Injury: This includes coverage for non-physical injuries such as defamation, libel, slander, or invasion of privacy, which may occur during your business activities.

Advertising Injury: If your business’s advertising materials infringe on someone’s copyright, or if your marketing campaigns cause harm to a competitor’s reputation, this coverage can help protect your business.

The cost of General Liability Insurance varies based on several factors, including the size of your business, its industry, location, claims history, coverage limits, and deductibles. On average, small businesses can expect to pay between $400 and $1,500 per year for this coverage. However, larger businesses or those engaged in high-risk activities may have higher premiums. To receive an accurate estimate, it is advisable to reach out to insurance providers, who will analyze your specific business needs and provide customized quotes. When selecting a General Liability Insurance policy, consider the following:

Assess Your Business’s Risks: Understand the potential risks your business is exposed to. Evaluate your industry, the nature of your operations, and the types of clients or customers you serve.

Coverage Limits: Evaluate the coverage limits offered by different policies, ensuring they align with your business’s needs. Consider the worst-case scenario and choose coverage that adequately protects your business.

Deductibles: Determine the amount you are willing to pay out of pocket when filing a claim. Higher deductibles generally lead to lower premiums.

Additional Coverages: Depending on your business, you may require additional coverages such as professional liability insurance or cyber liability insurance. Evaluate if a bundle policy or endorsements could be beneficial.

Reputation and Financial Stability: Research insurance providers’ reputations and financial stability to ensure they are reliable and capable of handling claims efficiently.

By thoroughly assessing these factors and consulting with insurance professionals, you can make an informed decision and choose the General Liability Insurance policy that suits your business requirements. General Liability Insurance plays a vital role in protecting businesses from potential financial hardships caused by third-party claims and lawsuits. Understanding its coverage, importance, and factors to consider when choosing a policy allows businesses to make informed decisions that ensure reliable financial protection and peace of mind.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to insure their business with confidence. Our general liability insurance products can provide additional insurance coverages including:

    • Bodily injury coverage
    • Property damage coverage
    • Products completed operations coverage
    • Medical expense coverage
    • Personal and advertising injury coverage
    • Premises liability coverage
    • Contractual liability coverage
    • Completed operations coverage
    • Independent contractor coverage
    • Liquor liability coverage
    • Non-owned watercraft coverage
    • Fire damage legal liability coverage
    • Employee benefits liability coverage
    • Host liquor liability coverage
    • Additional insured endorsement
    • Waiver of subrogation endorsement
    • And more!

    Learn More

    With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!