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General Liability Insurance
The policy every business starts with
General liability covers third-party injury, property damage, completed operations, and advertising injury - with defense costs typically on top of limits. Landlords, contracts, and common sense all require it.
Classification is where the money is
GL pricing runs on classification codes and payroll. The wrong code means overpaying for years - or finding out at claim time that your real operations were never covered. We audit the codes before we quote.
Certificates the same day
When a landlord or general contractor is waiting on a certificate of insurance, it is a phone call, not a project. That responsiveness is half the reason businesses move to a local independent broker.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.