Mississippi General Liability Business Insurance Services

Safeguard Your Business with General Liability Insurance

In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance is a must-have for many businesses. General liability insurance is often the first insurance option that businesses consider because it offers protection against the most common liability claims:

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Medical payments
  • Products completed operations
  • Damage to premises rented to your business

Interested in our general liability insurance? Contact us today to discover how we can safeguard your business and provide comprehensive protection for your valuable assets.


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General Liability Insurance FAQ

How much general liability insurance coverage does a business need?

The amount of general liability insurance coverage a business needs will depend on two major factors:

  • The risk exposure of the business: Business owners should first consider the amount of risk associated with their business. This will typically depend on the industry and the nature of the work that the business does. For example, a business that manufactures heavy machinery takes on greater liability risk than a company that manufactures pillows, and will likely opt for more coverage.
  • The location of the business: Different states tend to approach liability claims & lawsuits differently. Some states are more likely to award higher damage amounts to plaintiffs typically and businesses that operate in such states will need higher amounts of coverage.
How much does a general liability insurance policy cover?

General liability insurance policies always state the maximum amount that the insurer will pay during the policy period. Usually, these policies also list the maximum amount the insurer will pay per occurrence. For example, if a company has a $500,000 occurrence cap in its liability policy and it's successfully sued for $750,000, the insurer would pay $500,000 and the business would be responsible for paying $250,000.

To extend a general liability insurance policy maximum, many companies purchase commercial umbrella insurance. With commercial umbrella insurance, if a liability claim made against your business exceeds the limits of your primary liability policy, Commercial umbrella insurance can help pay the additional costs of the claim.

How can a business keep its liability insurance rates low?

Taking precautions before an accident can help keep your liability and insurance rates down. The following  precautions will go a long way toward lowering the likelihood of a liability insurance claim against your business:

  • Keep your company records up-to-date.
  • Get safety tips for your type of business from your insurance company.

The Value of General Liability Insurance

General Liability Insurance Protects Your Assets

Protect Your Assets

Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage.

General Liability Insurance Covers Legal Costs

Cover Legal Costs

Your general liability insurance policy can pay for everything from hiring a lawyer to court-ordered judgments and settlements.

Most Business Contracts Require General Liability Coverage

Many Contracts Require It

Many business contracts, such as your commercial property lease, will stipulate that your business has general liability coverage.

Mississippi General Liability Insurance Services

How to Purchase General Liability Insurance?

General liability insurance can be purchased in two ways:

  • As part of a business owner's policy (BOP), which bundles general liability and property insurance into one policy. This is a common practice for many businesses, as it can lead to savings and other advantages. However, the downside of a BOP is that the liability coverage limits may be too low for some businesses.
  • As a stand-alone purchase. Typically this option is preferred by businesses that need more coverage than a BOP can provide, or by businesses that do not need property insurance.

Schedule a free consultation and start discovering options for your general liability insurance coverage with one of our experts.


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All The Business Insurance Services You Need

Commercial Property Business Insurance

Commercial Property

Covers your business equipment,
furniture and other property in the
event of damage. It also helps to
restore the property you use in your
business to its original condition
before a covered loss or damage.

Workers' Compensation Insurance

Workers' Comp

Provides benefits to employees who become injured or ill on the job. In the unfortunate event that an employee dies due to a workplace-related injury or illness, this coverage can also provide benefits to the employee’s family.

Data Breach Business Insurance

Data Breach

Covers the costs associated with a
business-related data breach. This
can include costs to notify customers
and employees and run PR
campaigns to help restore
the reputation of your business.

General Liability Insurance

General Liability 

Protects your business from liability
claims. This can include customer slip
and fall accidents or damage to someone else's property that is caused by your business.

Professional Liability Insurance

Professional Liability

Protects your business from
claims that errors were made
while providing your
professional services.

Business Owners Policy (BOP)

Business Owners Policy (BOP)

Most businesses will need General
Liability, Business Property and
Business Income insurance. A "BOP"
conveniently bundles these
coverages in a single policy for small
business owners.

Commercial Umbrella Insurance

Commercial Umbrella

Extends your business liability
coverage beyond your standard
liability policy. If a liability claim
made against your business
exceeds the limits of your primary
liability policy, Commercial Umbrella
Insurance can help pay the
additional costs of the claim.

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Something Missing?

Is there something you were looking for that isn't described on this page? Give us a call at  (601) 987-3025 or email us at info@peoplelease.com for more information.

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