General Liability, also referred to as commercial general liability or business liability insurance, is a foundational coverage essential for any business. It provides protection against financial losses resulting from claims made by third parties alleging bodily injury, property damage, or personal and advertising injury.

General Liability coverage shields your business from potential legal and financial consequences arising from accidents or incidents involving third parties. Whether it’s a customer slipping and falling on your premises, damage caused to someone else’s property during your business operations, or claims of defamation in your advertising, General Liability insurance steps in to cover the costs of legal defense, settlements, or judgments.

Additional Insured Requirement

Frequently, businesses or venues may require you to list them as an “Additional Insured” on your General Liability policy. This is a common practice to ensure they are protected under your insurance coverage for any liabilities associated with your business activities.

How to Obtain General Liability Coverage

We’ve partnered with Thimble to provide you with flexible options for General Liability coverage, available on a short-term or monthly basis at an affordable rate. You can apply for coverage conveniently through our platform.

For inquiries specifically related to your Thimble policy, please contact Thimble directly at 855-940-4525.

Policy Information

Here’s an overview of the standard coverage limits included in our General Liability policy:

• $1 million per occurrence
• $2 million aggregate
• $100,000 damage to rented premises
• $5,000 Medical Expense (any one person)
• $1,000,000 Personal & Advertising Injury
• $1,000,000 Products Completed

Optional Coverages

We also offer optional coverage and limits to tailor your policy to your specific needs, including:

• Worker’s Compensation coverage
• Professional Liability ($2,000,000)
• Customer Property Protection ($5,000)
• Auto-Liability coverage in certain circumstances

Flexibility

Our General Liability policy can be purchased for as short as a few hours or monthly, with specific minimum requirements depending on your location. However, please note that coverage is not available in Washington.

How to Apply

To apply for a General Liability policy:

1. Visit InsureMyEquipment.com and click on ‘Get a Quote’, then select ‘General Liability’.
2. Enter your business zip code and primary type of work.
3. Choose your coverage duration and decide on additional coverage options if needed.
4. Select your start and end dates and review your quote.
5. Proceed to sign up and purchase after confirming your coverage details.

Adding Additional Insureds

Before or after purchase, you have the option to add Additional Insureds to your policy. Simply provide the required information, including the company name, email, and address, to ensure comprehensive protection for all relevant parties.

For further assistance with adding Additional Insureds, feel free to reach out to our support team.