Alabama General Liability Insurance

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Alabama General Liability Insurance

Alabama is one of the states that are located in the South-Eastern region of the United States. In the past, steel production and coal mining were two of the biggest industries in the state, but now the state has developed a business-friendly environment that attracts investments.

Throughout the years, Alabama has made great strides in its economy. Entrepreneurs seeking a stable, business-friendly environment have long made Alabama their preferred destination. In Alabama, there is no single industry that can claim the top position because of the excellent business climate and the highly skilled workforce.

Among the state’s leading industries are aviation and aerospace, biotechnology, agriculture and forestry, automotive, and manufacturing.

With a thriving economy, small businesses in Alabama need comprehensive general liability insurance to protect them against lawsuits.

General Liability Insurance: What Does It Cover?

General liability insurance is essential for your business. It safeguards your business assets from the hefty costs of lawsuits and helps you qualify for leases and contracts that require coverage. Business owners who deal directly with customers and clients will benefit from this type of business liability insurance, also commonly known as commercial general liability (CGL).

When a lawsuit is filed over property damage or personal and advertising injury, the commercial liability policy covers legal defense costs. Everything from legal fees to court-ordered judgments and settlements can be covered by your CGL policy.

In most cases, general liability insurance covers claims that arise during regular business operations, such as:

  • Bodily injuries – An injury on the job premises can lead to hefty liability claims. As an example, general liability coverage can cover the medical expenses of a customer who slips and falls on your property.
  • Property damage – Accidents can occur anywhere, and if the mishap damages property, your company is responsible for the damages. A policy like this can cover the cost of repairs or replacements.
  • Personal injury – Libel or slander can be involved in these cases. When your business is sued, general liability insurance can help cover your defense costs.

In most states, general liability insurance policies are required by law for small businesses. It may be requested by your landlord, mortgage company, or clients. Other contractors who don’t have a physical location or expensive equipment may not need a business owner’s policy or commercial property insurance.

In addition to protecting your business, professional liability insurance ensures that you qualify for contracts and leases that require insurance. A certificate of insurance proves that your company is capable of handling lawsuits involving bodily injury and property damage.

Get a Free General Liability Insurance Quote From Stampede Insurance

At Stampede Insurance, our expert brokers can help you find the most appropriate general liability insurance policy for your needs. By combining our expertise and resources, we can help you choose the right business insurance for your budget. Here are a few of the policies we offer:

  • Commercial Property Insurance
  • Cyber Liability Insurance
  • Product Liability Insurance
  • Commercial Auto Insurance

Your general liability insurance cost will be determined by your coverage, limits, and risks. You can ask one of our licensed insurance agents any questions you might have about coverage. We also offer services in Oklahoma, New Mexico, and Arizona.

Our experienced brokers are ready to assist you with finding the right general liability coverage. Contact us today for a free, no-obligation quote!

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