Nixon & Lindstrom

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General Liability Insurance in Springfield, MO

Do I need general liability insurance?

Liability insurance is a necessity for businesses large and small in today’s increasingly litigious society. Protect yourself from lawsuits filed by customers, employees or other businesses. If your company is found commercially liable for personal injury or property damage claims, this policy will cover related legal costs and payouts.

Think of general liability insurance as part of the cost of doing business. Without it, your company is vulnerable to claims ranging from bodily injury to reputational harm to copyright infringement. In many cases, your clients or customers may insist that you have a general liability policy in place before they’ll do business with you.

Contact a Nixon & Lindstrom agent today to request a quote. We have a long history of working with businesses throughout Springfield and Southwest Missouri find affordable, yet comprehensive general liability coverage that works for them.

What does commercial general liability insurance cover?
  • Property damage

  • Bodily injury & related medical expenses

  • Legal fees to defend against lawsuits

  • Payouts related to judgments & settlements

  • Personal & advertising injury

What are the different types of commercial general liability coverage?
  • General Coverage – This standard policy provides broad protection for your business against lawsuits alleging negligence, injury or property damage caused by you or your employees. It may also include coverage for defamation or intellectual property claims related or liability related to contracts, tenants or employee practices.

  • Umbrella Coverage – With commercial umbrella insurance, your coverage extends beyond traditional liability limits to protect your business against catastrophic losses. If there’s a chance your general liability coverage isn’t adequate, you should consider an umbrella policy.

  • Workers’ Compensation – Required by law in most states, this type of insurance helps offset medical expenses and lost wages when employees are injured or become ill while performing their job. Coverage can be expanded to include death and disability benefits or costs associated with a workers’ comp legal claim.

  • Product Coverage – Small businesses that manufacture and sell products should consider product liability insurance. This type of coverage helps protect your business in the event product defects result in bodily injury or property damage. A policy will help defray medical costs as well as compensatory and business damages.

  • Limited Liability Coverage – Also known as Errors & Omissions (E&O) insurance or Limited Liability Insurance, professional liability insurance is geared toward professional services firms and experts whose advice may be challenged in court. A professional liability policy will help cover costs related to negligence, misrepresentation or poor advice.

How much does general liability insurance cost?

Depending on your business and the types of risks involved, the cost of general liability insurance varies. Generally speaking, though, it’s a small price to pay for a policy that will protect you from crippling legal fees or exorbitant court-ordered payouts. Connect with a Nixon & Lindstrom agent today to start the search for commercial liability insurance that’s affordable and appropriate for your business. For over 50 years, we’ve worked with large and small businesses alike throughout Springfield and Southwest Missouri to find general liability coverage that can protect them from the unexpected.

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