If you operate a business in Cherokee County or the surrounding metro Atlanta area, having general liability insurance is essential. This foundational coverage helps protect your business from unexpected claims and legal expenses that could arise from everyday operations. Whether you run a small startup or a growing enterprise, general liability insurance offers affordable protection tailored to your needs.
At Mountain Lakes Insurance, we work with small-to-medium sized businesses to provide reliable coverage that meets both industry standards and local requirements. Our team of independent agents is here to help you understand your options and build a policy that fits your business.
What Is General Liability Insurance?
General liability insurance is one of the most common and important types of commercial insurance. It helps protect your business from claims involving:
- Bodily injury
- Property damage
- Personal and advertising injury
- Medical payments
This type of policy typically includes two key limits:
- Per Occurrence Limit – The maximum amount the policy will pay for a single claim.
- Aggregate Limit – The total amount the policy will pay during the policy term.
Coverage limits often start at $300,000 per occurrence and can be increased to $1 million or more, depending on your business needs.
Optional Coverages and Endorsements
Depending on your industry and operations, you may need to add endorsements or additional policies to ensure full protection. Some general liability policies can be extended to include:
- Property coverage for buildings and contents
- Inland marine coverage for tools and equipment
- Hired and non-owned auto liability
- Cyber liability (through a separate policy)
It is important to note that general liability insurance does not cover professional liability or errors and omissions (E&O). If your business provides advice or professional services, you may need a separate policy for that exposure.
Do You Need a General Liability Policy or a BOP?
If you are unsure whether your business needs a standalone general liability policy or a Business Owners Policy (BOP), we can help. A BOP combines general liability with property coverage and is often a better fit for small to mid-sized businesses with physical locations or valuable equipment.
Our experienced agents will review your operations, assess your risks, and recommend the best coverage solution for your business.
Frequently Asked Questions
Yes, general liability covers physical risks like injuries or property damage, while professional liability addresses claims related to advice or services.
See what independent coverage can do for you
Whether you're comparing quotes or have questions about your current policy, we're here to help. Use the online tool below to explore your insurance options at your convenience, or give our Woodstock office a call to speak directly with a local agent who understands your needs. At Mountain Lakes Insurance, we make it easy to find the right coverage with the personal touch you deserve.
