General Liability Insurance Coverage
At Harris Insurance, we specialize in delivering comprehensive general liability insurance solutions tailored for contractors, LLCs, and businesses of all sizes. We serve a wide range of industries with custom insurance policies, risk management solutions, and dedicated support. Whether you run a small construction business or manage a mid-size LLC, our general liability insurance for business ensures you’re covered where it counts.
Key Business Insurance Policies We Offer
Our general liability insurance for business is designed to address industry-specific needs—especially for contractors and construction businesses—providing the protection you need from third-party claims, property damage, bodily injury, and more. At Harris Insurance, we offer a full suite of coverage to protect your operations:
General Liability Insurance
Protects your business against claims of bodily injury, property damage, and personal injury caused during your operations or on your premises.
Commercial Property Insurance
Protects your business against claims of bodily injury, property damage, and personal injury caused during your operations or on your premises.
Workers’ Compensation Insurance
Provides medical benefits and wage replacement for employees injured on the job, while shielding your business from related legal claims.
Commercial Auto Insurance
Protects company vehicles and drivers from liability and physical damage arising from accidents or theft during business use.
Professional Liability Insurance
Also called Errors & Omissions insurance, it covers claims of negligence, errors, or omissions related to your professional services.
Builder’s Risk Insurance
Protects construction projects in progress from damage caused by fire, weather, theft, or vandalism until completion.
Equipment Breakdown Insurance
Covers repair or replacement of critical machinery and tools damaged by mechanical failure or electrical issues.
Employment Practices Liability Insurance
Protects your business against claims related to workplace discrimination, harassment, wrongful termination, and other employment-related issues.
Cyber Liability Insurance
Safeguards your business from data breaches, cyberattacks, and other digital threats, covering notification costs, legal fees, and recovery expenses.
Environmental Liability Insurance
Covers cleanup costs and damages resulting from pollution or environmental hazards linked to your business operations.
Surety Bonds
Guarantees your contractual obligations, helping you secure licenses, permits, and project bids while protecting clients from potential losses.
Insurance Solutions Tailored for Your Industry
Construction Companies
We understand the complex risks construction companies face daily—from on-site accidents to equipment damage and contractual liabilities. Our liability insurance construction solutions cover everything from general liability to workers’ compensation, protecting your team and your projects from unforeseen setbacks.
Landscaping and Renovation Businesses
Outdoor work comes with unique challenges, including property damage and environmental risks. We provide customized liability and equipment insurance designed to protect your business, your workers, and your clients’ properties.
Real Estate Agencies
Real estate professionals face exposure to claims ranging from property damage to professional negligence. Our comprehensive liability and errors & omissions coverage help safeguard your agency’s reputation and financial stability.
Retail and Hospitality
Businesses in retail and hospitality deal with customer safety, property risks, and employee-related claims daily. Our liability insurance for businesses include general liability, property protection, and workers’ compensation designed to keep your business secure and thriving.
Streamlined Claims Process & Ongoing Support
With contractor general liability insurance, we help you not only get insured but also stay protected and informed throughout your policy term. We make it easy to file and manage claims through our simple and fast process:
1
Step-by-Step Claims Filing Guidance: We guide you through the entire claims process—from documentation to submission—making it easy to report incidents accurately and quickly.
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Dedicated Claims Specialists for Ongoing Support: You’re never on your own. Our experienced claims professionals provide personalized support, ensuring your questions are answered and your claim stays on track.
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Expert Advice to Reduce Downtime: We work with you to minimize operational disruptions by offering strategic recommendations for faster recovery and efficient resource management.
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Fast Resolutions to Protect Business Continuity: We prioritize speed and transparency to deliver prompt claim decisions and settlements so your business can get back to work with minimal delay.
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Post-Claim Coverage Review & Adjustments: After a claim is resolved, we reassess your policy to identify gaps or improvements—ensuring your business is even better protected moving forward.
Why Your Business Needs General Liability Insurance
Operating a business comes with inherent risks. One lawsuit or property damage claim can threaten your entire operation. That’s why general liability insurance is one of the most important protections a business can have. Our policies help cover:
Third-Party Bodily Injury Coverage
Covers medical expenses and legal fees if a customer or visitor is injured on your business premises.
Third-Party Property Damage
Pays for repairs or replacement if your business accidentally damages someone else’s property.
Legal Defense Costs
Covers attorney fees, court costs, and settlements if your business faces a covered lawsuit—even if you’re not at fault.
Protection Against Slip-and-Fall Claims
Helps defend and settle common premises liability claims, such as customers tripping or slipping at your workplace.
Product Liability Coverage
Protects you if a product you sell or distribute causes harm or injury to a consumer.
Completed Operations Coverage
Covers damage or injury caused by work you’ve already completed like after finishing a construction project.
Advertising Injury Protection
Covers claims related to slander, libel, copyright infringement, or false advertising made in your marketing.
Tenant Liability Coverage
If you rent your business space, this covers property damage you may unintentionally cause to the premises.
Vendor & Client Contract Compliance
Many contracts require proof of general liability insurance to begin or continue working with clients or vendors.
Peace of Mind During Daily Operations
Knowing you’re protected allows you to focus on running and growing your business without constant worry.
Business Credibility and Trust
Being insured shows clients and partners that you are a responsible and professional business.
Financial Stability
Insurance prevents a single accident or lawsuit from crippling your finances, ensuring long-term business continuity.
How to Choose the Right General Liability Insurance
Selecting the right general liability insurance is crucial to protecting your business from unexpected risks and liabilities. At Harris Insurance, we make the process simple, strategic, and tailored to your needs:
1
Free Consultation & Risk Assessment
We begin with a no-obligation consultation to understand your operations, evaluate your exposure to risks, and identify any current coverage gaps, so you get protection where it matters most.
2
Industry-Specific Customization
Every industry has unique liability challenges. Whether you’re a contractor, consultant, retailer, or service provider, we design policies that fit your operations and fulfill any client or regulatory requirements.
3
Coverage Matching Your Budget & Goals
You shouldn’t have to choose between affordability and protection. We help you find policies with the right balance of premium cost, coverage limits, and deductibles to suit your business goals and financial capacity.
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Ongoing Policy Review & Adjustments
As your business grows, contracts change, or new risks emerge, we proactively review your coverage and suggest updates—so you’re always properly insured without overpaying.
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Expert Guidance Anytime You Need It
Insurance can be complex. That’s why we’re available year-round to answer your questions, walk you through renewals, or adjust policies as your operations evolve.
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Seamless Claims Support & Advocacy
If a claim arises, our dedicated support team helps you navigate the process with clear steps, timely follow-ups, and expert guidance—working on your behalf to protect your business and reputation.
The Risks of Being Underinsured
Don’t let a single incident jeopardize your future. Protect your business with comprehensive, affordable coverage. Without sufficient general liability insurance for businesses, you’re exposed to financial disaster:
Out-of-Pocket Legal Defense Costs
If your policy limits are too low, you may have to cover attorney fees, court costs, and settlements yourself—costs that can easily reach tens or hundreds of thousands.
Uncovered Medical Payments
Without adequate coverage, you could be responsible for medical bills if someone is injured on your property or due to your operations.
Business Interruption or Shutdown
A serious claim without enough coverage can force temporary or permanent closure, disrupting your operations and revenue stream.
Loss of Contracts or Licensing
Many clients, vendors, and government agencies require proof of sufficient general liability coverage. Being underinsured may disqualify you from important contracts or renewals.
Asset Seizure or Bankruptcy Risk
If claim costs exceed your policy limits, your business and even personal assets could be at risk to cover the remaining balance.
Damaged Reputation
Failing to cover damages from an incident can hurt your brand’s credibility and lead to lost business or negative reviews.
Delayed Claims Resolution
Inadequate coverage often results in disputes or delays during the claims process, leaving you without funds when you need them most.
No Coverage for Emerging Risks
Being underinsured means you may not have extensions or endorsements that protect against modern threats like cyber liability, advertising injury, or contractual disputes.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
FAQ
What is covered in general liability insurance?
General liability insurance covers third-party bodily injuries, property damage, personal injury (like libel or slander), and legal defense costs related to these incidents.
Is general liability insurance worth it?
Absolutely. One claim can cost tens of thousands of dollars. General liability insurance helps you avoid devastating financial losses and protects your business reputation.
What is the best insurance for a small business?
The best insurance depends on your risk profile, but general liability insurance is essential for nearly every small business. A Business Owner’s Policy (BOP) is also a great bundled option.
Should I insure myself or my LLC?
If you operate as an LLC, you should insure the business entity. This ensures claims are handled properly and limits personal liability exposure.
How does general liability protect contractors?
Contractor general liability insurance protects you from lawsuits involving injury, property damage, and project-related liabilities whether you’re a general contractor or a subcontractor.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611