Get Help With Insurance, Inc.

Running a business comes with enough challenges -- your insurance shouldn't be one of them. Protect your business from many of the everyday risks that come with serving customers, operating your business, and getting the job done.

General liability insurance is a smart foundation for your business.

What is General Liability?

General Liability helps protect your business when you are legally responsible for bodily injury, property damage, or personal and advertising injury to others.

There are several parts to a general liability policy.

Products and completed operations helps protect your business if your completed work or a product you sold causes bodily injury or property damage after the job has been finished or the product has been delivered.

Damage to rented Premises rented to you coverage helps pay for damage you accidentally cause to a building or space you rent, when the damage is covered by the policy.

Personal and Advertising Injury is a coverage that protects your business against certain claims (libel, slander, invasion of privacy, and advertising related offenses) involving non-physical harm causes by things you say, publish, or do in your advertising or business communications.

Medical payments coverage helps pay for minor medical expeses if a customer, vendor, or other visitor is accidentally injured on your business premises or because of your business operations, regardless of who was at fault, subject to the terms and limits on the policy.

That is the basics of General liability.

A Business Owner's Policy (BOP) combines essential coverages, such as commercial property insurance, general liability insurance, and business interruption coverage, and more into one convenient policy. It's a smart way to protect your business from unexpected losses while helping simplify your business needs.

If your business only needs liability protection and has little or no business property, General Liability may be sufficient. BUT, when you start to acquire business equipment, supplies, furniture, inventory, call your agent to add those items to your policy. They aren't going top know what you purchased. It is up to you to notify them. That is when your General Liability policy will turn into a Business Owner Policy to provide more comprehensive coverage.

At Get Help With Insurance, Inc., we take the time to understand your business, identify your risks, and shop your coverage with multiple insurance companies to find the right protection for your business, your industry at a competitive price.

Every business has different risks, and not every insurance company offers the same coverages or pricing. Not every insurance company is willing to insure every type of business. Each insurer has it's own underwriting guidelines, preferred industies, coverage options and pricing. A business that fits one comanies appetite may be declined by another.

That's where an independent insurance agency makes the difference.

Instead of representing just one insurance company, we work with multiple insurance carriers to help match your business with insurers that understand your industry and are interested in writing your type of risk.

Getting multiple quotes from multiple companies does not affect you in any way, except it will save you a LOT of TIME and MONEY.

Whether you own a contractor's business, retail store, restaurant, office, manufacturing company, trucking operation, or another type of business, we will take the time to understand your operation, and identify insurance companies that may be a good fit.

Our goal is not just to find the lowest price. We help you compare coverage options, policy features, carrier strength and pricing so that you can make an informed decision about protecting your business.

Choosing the right insurance company is just as important as choosing the right coverage. The right carrier should understand your business, provide the protection you need, and be there when you need them the most.

At Get Help With Insurance, Inc., we do the shopping for you, helping save you time, while providing access to multiple insurance companies--all with a trusted advisor.

Whether you're opening a new business or reviewing your current insurance, we're here to help you protect what you've worked so hard to build.