Low Cost General Liability Insurance in Asheville and all of North Carolina

General Liability Insurance to fit your budget & needs

​What is Commercial General Liability Insurance?
General liability insurance protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below.
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Why do I need General Liability Insurance?
We understand the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

• Interact with clients face to face - If you visit a client’s place of work, or clients visit yours
• Have access to a client’s equipment - For example, IT professionals should be covered against potential claims with IT business liability insurance
• Represent your client’s business
• Use third-party locations for any business related activities - For example, architects should make sure that they’re covered with architect’s business liability insurance
• Are required to have general liability insurance before entering into a contract

​INSURANCE FOR A HANDYMAN
As an independent agent, we know the importance of properly classifying our clients.
And handymen can be especially easy to misclassify because they do so many odd jobs.
We will ask the following questions to make sure to get your classification and coverage right the first time:
1. What specific services do you provide?

• A handyman does a little bit of everything, but some of those tasks have the potential to affect their classification and their rates. For example,
• A client who maintains or secures real estate-owned property (i.e., property owned by a lender after an unsuccessful foreclosure auction) is probably not a handyman. They are in property preservation and require different insurance.
• A client who modifies or repairs load-bearing elements, such as walls or foundations, is in structural remodeling. This classification also requires different coverage than a general maintenance worker.
• Some handymen qualify for a Business Owner’s Policy, but a client whose work involves hazardous activities, such as climbing ladders or using heavy machinery, probably will not.

2. How many employees do you have?

• Maintenance workers are typically sole proprietors, but that isn’t always the case. Recently, the industry has seen an uptick in franchises offering handyman services. Here’s what this means from an insurance standpoint:
• Sole proprietors may be able to exclude themselves from Workers ‘Compensation Insurance. We will check your state laws to be sure.
• A client who runs a handyman service may have employees who perform non-handyman tasks (e.g., administrative assistants or payroll specialists). Be sure every employee is classified correctly to minimize Workers’ Comp costs.

3. Do you travel to multiple sites?

• Handymen who move from site to site have some extra risk exposures to consider. If our client drives to different locations for work, we will suggest they invest in Commercial Auto Insurance. Most insurers see commercial use and personal use as significantly different risks, so our clients should look into Commercial Auto even if they drive their own vehicle for work.
• We will offer an Inland Marine Insurance policy to cover equipment and tools in transit or on a worksite.

​What does General Liability Insurance cover?

• Bodily Injury
• Damage to third party property
• Personal injury
• Advertising injury
• Electronic data liability
• Medical expenses
• Defense costs
• Actions of your full-time employees and temporary staff
• Supplemental payments

What is not covered?

• Your property
• Vehicles and boats
• Personal identifiable information
• Professional services
• Employee injury / workers' compensation
• Intent to injure
• Coverage outside policy period
• Known claims prior to start of policy