General liability insurance for Central Virginia businesses.
One slip-and-fall or damaged client property can cost more than a year of profit. Blue Ridge Insurance compares general liability coverage across several carriers for contractors, retailers and service businesses.
The policy clients and landlords ask for first.
General liability pays for injuries and property damage your business causes to other people, along with the legal costs of defending a claim. It is the coverage a landlord, general contractor or commercial client will ask to see on a certificate before you start work.
Pricing depends heavily on your class of business, payroll or revenue, and claims history. Carriers rate the same contractor very differently, which is why comparing them matters more here than almost anywhere else.
Common reasons you need it
- A lease that requires it
- A contract or bid that requires a certificate
- Customers visiting your location
- Working on client property
- Additional insured requests from partners
What general liability covers
Bodily injury
Injuries to customers, vendors or the public at your location or job site.
Property damage
Damage you cause to someone else’s property while doing your work.
Products & completed operations
Claims that come from a product you sold or work you already finished.
Personal & advertising injury
Libel, slander and certain advertising claims against your business.
Legal defense
Attorney fees and court costs, typically paid in addition to your limits.
What it leaves out
Employee injuries, your own property, vehicles and professional mistakes need other policies.
Start your liability quote.
Tick Business Insurance in the form. Tell us what you do and roughly what you bring in, and a licensed advisor in our Forest office will compare carriers.
- Certificates and additional insureds handled quickly
- Contractor and trade classes written
- Bundled into a BOP when you qualify
General liability questions
Is general liability required in Virginia?
What limits should I carry?
How fast can I get a certificate of insurance?
Should I get a BOP instead?
Need a certificate for a new contract?
Tell us what the contract requires and we’ll quote to it.