Running a business comes with opportunities and risks. From customer injuries to accidental property damage, unexpected incidents can lead to costly legal and financial challenges. At Ball Group Insurance, we help businesses in Fort Wayne, IN, and nearby communities find general liability insurance that provides reliable protection against everyday business risks.

General liability insurance is designed to help protect your business if you're held responsible for bodily injury, property damage, or personal and advertising injury resulting from your business operations. For example, if a customer slips and falls at your office or your business accidentally damages a client's property, your policy may help cover legal fees, settlements, and other covered expenses.

While general liability insurance offers broad protection, it doesn't cover everything. It typically does not include employee injuries, professional errors, commercial auto accidents, or damage to your own business property. Depending on your industry, you may also need workers' compensation insurance, professional liability insurance, commercial property insurance, or a business owner's policy (BOP) for more complete coverage. Ball Group Insurance can help you compare options from multiple insurance carriers to build coverage that fits your business.

Whether you're a contractor, retailer, consultant, or small business owner, having the right liability coverage helps protect your reputation, finances, and future growth.

Protect your business with confidence. Contact Ball Group Insurance today for personalized general liability insurance solutions in Fort Wayne, IN, and the surrounding communities.

Frequently Asked Questions

What does general liability insurance cover?

General liability insurance typically covers bodily injury, property damage, personal injury, advertising injury, legal defense costs, and certain settlements related to covered claims.

Who needs general liability insurance?

Most businesses, including contractors, retailers, restaurants, consultants, and service providers, can benefit from general liability insurance to help protect against common business risks.

Is general liability insurance required by law?

General liability insurance is not usually required by law, but many landlords, clients, and contracts require businesses to carry this coverage before starting work.

What is not covered by general liability insurance?

General liability insurance generally does not cover employee injuries, professional mistakes, commercial vehicle accidents, intentional acts, or damage to your own business property.

What's the difference between general liability insurance and a Business Owner's Policy (BOP)?

General liability insurance covers common liability claims, while a Business Owner's Policy (BOP) combines general liability coverage with commercial property insurance and other protections into one policy.