General Liability Insurance
Everyday business risks deserve everyday protection.
A customer slips. Property gets damaged. A claim turns into a lawsuit. Even routine business activity can create liability exposures.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team can help you explore general liability coverage designed around the way your business operates. As an independent agency, we’ll take the time to understand your business, explain the options available, and help you find coverage that fits.
What can general liability insurance help protect?
Commercial general liability insurance helps protect your business from certain third-party claims arising from your premises, operations, products, or everyday business activities. Exact protection depends on the policy, limits, exclusions, and endorsements you choose.
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Helps protect your business if a customer or other third party is injured and your business is legally responsible.
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Helps cover certain claims when your business operations cause damage to someone else’s property.
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Helps protect against certain claims involving offenses such as libel, slander, wrongful eviction, or the use of another party’s advertising idea.
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Provides limited coverage for certain medical expenses when a non-employee is injured because of an accident connected to your premises or business operations.
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A general liability policy can also help cover certain legal-defense costs when your business faces a covered liability claim, subject to the terms and limits of the policy.
Does forming an LLC mean you don’t need liability insurance?
No.
An LLC can help separate certain personal assets from business liabilities, but it doesn’t make the business itself immune from claims or lawsuits.
General liability insurance is designed to help protect the business from certain third-party liability exposures that can arise during normal operations.
General liability or a BOP?
General liability focuses on certain third-party claims such as bodily injury, property damage, and personal or advertising injury.
A Business Owner’s Policy (BOP) can combine general liability with business property and other core protections in one policy for eligible businesses.
We can help you understand which approach may fit the way your business operates.
Does general liability cover every business risk?
No single policy covers every business risk. General liability is designed for certain third-party liability claims, but your vehicles, property, and other business exposures may require separate protection.
We’ll look at your business as a whole and help you understand where additional coverage may be needed.
Protection for the everyday risks of doing business.
Liability claims can come from situations that seem routine until something goes wrong.
At Western Assurance Associates, we’ll take the time to understand how your business operates, where customers or third parties may interact with it, and help you explore coverage that fits your day-to-day risks.