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Call Now (718) 441-2627

Call Now

(718) 441-2627

Location

Queens, New York

General Liability Insurance

General Liability Insurance also known as GL Insurance, is coverage that protects your business from financial loss by covering legal costs and damages if you're held liable for bodily injury and property damage.

What Does General Liability Cover?

 Let’s dive into the essential benefits that ensure your employees are covered when it matters most.

Bodily Injury

General Liability covers your business against costly lawsuits if someone is injured on your property or as a result of your operations. This includes medical expenses and legal fees, helping you avoid significant financial losses.

Legal Defense Costs

General Liability covers your legal defense costs if your business is sued, including attorney fees and court expenses. This ensures that you can defend your business without bearing the full financial burden.

Personal Injury

General Liability covers your business against claims of personal injury, such as defamation, libel, or slander. This protection ensures you're financially safeguarded if someone accuses your business of causing non-physical harm to their reputation.

Property Damage

General Liability covers accidental damage to someone else's property caused by your business activities. Whether it's during operations or from a product you sell, this coverage ensures you're protected from repair or replacement costs.

Advertising Injury

General Liability covers your business against claims of advertising injury, including copyright or trademark infringement, and false advertising. This coverage helps protect your business from the legal and financial repercussions of marketing activities that may unintentionally cause harm to others.

Medical Payments

General Liability covers minor medical expenses for injuries that occur on your premises, regardless of fault. This allows you to quickly resolve small incidents, helping maintain good relationships with customers and clients and preventing expensive lawsuits.

Let's Get You In Contact With An Experienced Agent Whose Waiting To Serve You

Why Does Your Business Need General Liability?

Fulfill Contractual Obligations

General Liability Insurance is often a mandatory step in fulfilling contracts with clients, vendors, and partners. 

This coverage not only makes your business eligible for more lucrative opportunities but also builds trust with stakeholders who require proof of insurance before entering agreements.

By ensuring you’re covered, you position your business as a reliable and professional entity that is prepared for any eventuality.  

Comprehensive Lawsuit Protection

General Liability Insurance provides comprehensive legal protection, covering defense costs, settlements, and judgments that could otherwise cripple your business. This coverage allows you to focus on growing your business, confident that you are protected against the financial devastation of legal claims.

Satisfy Legal Requirements

General Liability Insurance is a crucial component in ensuring your business operates within the bounds of the law. By maintaining this coverage, you demonstrate a commitment to operating responsibly, safeguarding your business against legal penalties, fines, or even potential closure. Complying with legal requirements not only keeps your business safe but also reinforces your reputation as a trustworthy and law-abiding company.

 

Safeguard Your Business Assets

Your business is built on valuable assets, from equipment and inventory to intellectual property. Without General Liability Insurance, these assets could be at risk in the event of a claim or lawsuit. This insurance acts as a protective barrier, ensuring that your business remains intact and your personal and business wealth is shielded from the financial fallout of unexpected incidents. Protecting your assets today is essential for securing your business’s future.

 

Who Needs General Liability?

These are some industries that most commonly require General Liability

Construction

High-risk activities such as heavy machinery operation, working at heights, and exposure to hazardous materials make General Liability essential in this industry.

Contracting

Contractors frequently work in environments with inherent risks, such as construction sites, where they might expose civilians to falls, heavy machinery, electrical hazards, and more.

Manufacturing

Workers in manufacturing require General Liability to protect against claims of product defects that could cause injury or property damage.

Real Estate

Real estate agents and property managers require General Liability Insurance to cover potential claims from tenant or visitor injuries on managed properties.

Hospitality

Hotels and restaurants rely on General Liability Insurance to protect against claims from guest injuries, food-related illnesses, and property damage.

Retail

Retail stores are at risk of customer slip-and-fall accidents, making General Liability a key protection.

Are You Serious About Protecting Your Business from the Unexpected?

Contact us today to learn how General Liability can provide that extra layer of security your business needs.

Why Are Businesses Choosing Reliable?

40+ Years of Experience

With decades of experience, our highly-qualified team is prepared to handle all your insurance needs, guaranteeing precision, expertise, and attention to detail.

Customer-First Model

We put you first, with a customer support model that’s built around your needs, offering guidance and assistance whenever you need it.

Peace of Mind

Enjoy the confidence that comes from knowing your business is fully protected, with insurance solutions that give you one less thing to worry about.

Comprehensive Coverage at Competitive Rates

We provide extensive coverage that’s both thorough and affordable, giving you top-tier protection without breaking the bank.

Professionalism and Expertise

Our team of seasoned professionals delivers expert guidance with a commitment to excellence, making sure every aspect of your coverage is handled with the utmost care and precision.

Tailored Solutions

Your business is unique, and so are our insurance solutions—crafted to fit your specific needs and deliver the best possible protection

Don't Just Take Our Word For It

Hear from the satisfied small business owners we’ve had the privilege to protect. 

Gursaif Singh
Gursaif Singh
Read More
Very polite and professional staff.

Syed Majid and Syed Khalid both are exceptionally knowledgeable and very helpful.

I will give this agency 7 Star for service, they go out of there way to help you.

Highly Recommended for any type of Insurance
Abraham Gago
Abraham Gago
Read More
Good personality all people work in the office
Harjinder Singh
Harjinder Singh
Read More
Great series at reasonable prices
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PLUS 3 Other Necessary Insurances For Your Business

Our Workers' Compensation coverage is extensive, but it doesn't cover all the risks associated with running your business. We offer convenient bundle solutions with other essential business insurances to ensure you're fully covered and have peace of mind.

Workers' Compensation Insurance

General Liability Insurance protects your business from claims made by customers or visitors, but what about your employees? Workers' Compensation Insurance covers medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. This coverage is essential for protecting your team and ensuring your business complies with state laws, keeping your operations running smoothly

Commercial Property Insurance

Property Insurance protects your business’s physical assets. It covers damage to buildings, equipment, and inventory due to events like fire, theft, or vandalism. This ensures your business can recover quickly from unexpected physical losses that General Liability can’t cover.

Professional Liability Insurance (Errors & Omissions)

Professional Liability Insurance steps in to protect your business from claims of negligence or errors that result in financial loss for your clients. It’s essential for safeguarding your reputation and finances against legal claims that General Liability doesn’t cover.

Can You Afford to Take Chances?

Whether it’s a lawsuit, property damage, or an unforeseen accident, the potential costs can be crippling. And it’s not just about the immediate financial hit—think about the long-term consequences. The loss of reputation, the disruption to operations, and the stress on your team. The last thing you want is to be caught unprepared when it matters most.

The problem is, the process of securing the right insurance is a time-consuming nightmare. The sheer volume of options available and the number of providers you need to contact is just the beginning. Add to that the complex jargon used in policies, the hours required to evaluate and compare your choices, and the negotiation process that follows. All of this, while ensuring you meet contractual obligations and comply with New York City regulations.

As a business owner already juggling day-to-day operations, who has the time to navigate through it all?

But The Truth Is, The Wrong Decision Can Make You Lose Thousands, or Even Millions

What If It Were Easy and Didn't Compromise your Bottom Line?

That’s where we come in. At Reliable Insurance, we offer a concierge service designed to lift the burden off your shoulders. 

From your initial consultation, our dedicated team dives deep into understanding your business’ unique needs. We work meticulously to search for policies that not only cover the entire scope of your needs, but that ensure you’re getting the best value for your money.

Our mission is to make the process completely stress-free. We’ll patiently answer your questions and handle all the details—managing documentation, negotiating on your behalf, and ongoing policy management—so you can confidently focus on running your business, knowing you made the right decision. Our dedicated team becomes your trusted advisor, ensuring your business is protected with coverage tailored to fit perfectly.

It's Not Just About Insurance

It really is more than just about protecting what you have—it’s about having the confidence to grow your business. The right insurance strategy provides a foundation upon which you can work with peace of mind. It frees you from the constant worry or “what if” and allows you to focus on your craft. Imagine the possibilities when you know your business is covered, no matter what unforeseen circumstance comes your way. 

More financial security.

More respect from your clients, project owners, and employees.

More status in the industry. 

That’s the power of comprehensive coverage.

With Over 40 Years of Experience, Our Team is Ready to Build a Comprehensive and Personalized Plan That Will Allow You to Manage Your Business With Confidence

Are You Ready to Join the Small Business Elite?

In today’s competitive market, the most successful businesses are the ones that think ahead. They don’t just react to risks—they proactively manage them. By partnering with Reliable Insurance, you’re joining a community of business leaders who prioritize security and growth. These are the businesses that not only survive challenges but thrive because they’ve planned for them. 

You wouldn’t be here if you weren’t serious about growing your business, don’t let uncertainty hold you back and take control of your business’s future with the right insurance advisor by your side.