General Liability

In today’s business environment, protecting your company from potential legal and financial liabilities is more important than ever. General liability insurance from Titan Risk provides essential coverage that shields your business from claims of bodily injury, property damage, and personal or advertising injury that could arise from your operations. Whether you run a small business or a large enterprise, our general liability insurance ensures that you are protected from the unexpected costs associated with lawsuits, medical expenses, and legal fees.

At Titan Risk, we understand that every business faces unique risks. That’s why our general liability solutions are tailored to fit the specific needs of your industry, giving you the peace of mind to focus on growing your business. With Titan Risk, you can operate confidently, knowing that your business is protected against a wide range of potential liabilities.

Highlights

Titan Risk is dedicated to providing comprehensive general liability insurance solutions that protect your business from a wide range of potential liabilities. With a focus on tailored coverage and outstanding service, our offerings help safeguard your business against financial losses arising from third-party claims. Here are some key features of our general liability insurance:

  • Broad Coverage Options - Our policies cover various liability exposures, including bodily injury, property damage, personal and advertising injury, and legal defense costs, ensuring comprehensive protection for your business.
  • Flexible Coverage Limits - We offer flexible coverage limits to accommodate businesses of all sizes and industries, allowing you to choose the right level of protection to suit your specific needs.
  • Efficient Claims Management - Our streamlined claims process ensures quick and effective resolution of claims, minimizing disruptions to your business operations and protecting your financial interests.
  • Access to Top-Rated Insurers - Our general liability insurance is backed by leading, financially secure carriers, providing reliable coverage that you can trust.
  • Nationwide Availability - Our general liability insurance is available across all 50 states, ensuring consistent protection for your business, no matter where you operate.
  • Proactive Risk Management - We offer proactive risk management services, including safety training and risk assessments, to help identify and mitigate potential liabilities before they become claims.

Learn More about General Liability Insurance

What does general liability insurance cover?

General liability insurance provides coverage for your business against claims of bodily injury, property damage, and personal injury that occur on your premises, due to your operations, or as a result of your products or services. It also covers legal fees, settlements, and judgments if your business is sued for these types of claims.

Does my business need general liability insurance?

Yes, most businesses need general liability insurance. It protects your business from financial losses due to accidents, injuries, or damages that occur as a result of your business activities. Many clients, vendors, or landlords may also require proof of general liability insurance before they’ll do business with you.

I am a small business, why do I need general liability insurance?

Even as a small business, you face risks that could lead to costly lawsuits or claims. General liability insurance provides essential protection against common risks like customer injuries, property damage, or claims of defamation, helping to safeguard your business’s financial stability.

What are some general liability claims examples?

Examples of general liability claims include a customer slipping and injuring themselves on your property, a contractor damaging a client’s property while working on a project, or a competitor suing your business for slander due to something said in an advertisement.

How are my insurance rates determined?

Your general liability insurance rates are determined by factors such as the size and type of your business, your industry’s risk level, your location, and your claims history. The higher the perceived risk associated with your business operations, the higher your premiums may be.

I have my general liability insurance with another agent, how do I stay with my carrier but move it to Titan Risk?

To move your general liability insurance to Titan Risk while keeping the same carrier, contact us and we’ll guide you through the process. You’ll need to sign an Agent of Record (AOR) letter, which allows us to take over as your agent without changing your policy. We’ll submit the AOR letter to your carrier, who will then update their records to recognize Titan Risk as your new representative.

What industries does Titan Risk place general liability insurance for?

Titan Risk provides general liability insurance for a wide range of industries, including but not limited to construction, retail, manufacturing, healthcare, technology, and hospitality. We tailor coverage to meet the specific needs of each industry.

What happens if I have a claim?

If you have a claim, contact Titan Risk immediately. We’ll help you file the claim with your insurance carrier and guide you through the process, ensuring that it’s handled efficiently and that you receive the support you need to resolve the issue.

What is a general liability insurance audit?

A general liability insurance audit is a review conducted by your insurer at the end of your policy term to ensure that your premium was based on accurate information, such as your actual payroll, sales, or other business activities. The audit may result in an adjustment to your premium based on the findings.

Outside of general liability insurance, what insurance products can I buy from Titan Risk?

Titan Risk offers a comprehensive range of commercial Property and Casualty (P&C) insurance products designed to protect your business from a variety of risks. Whether you need coverage for your property, liability protection, or specialized policies tailored to your industry, Titan Risk has you covered. 

Here’s a list of the key P&C insurance products you can purchase from Titan Risk:

  • General Liability Insurance
  • Commercial Property Insurance
  • Commercial Auto Insurance
  • Workers' Compensation Insurance
  • Professional Liability Insurance (Errors & Omissions)
  • Directors and Officers (D&O) Insurance
  • Employment Practices Liability Insurance (EPLI)
  • Cyber Liability Insurance
  • Commercial Umbrella Insurance
  • Inland Marine Insurance
  • Business Interruption Insurance
  • Crime Insurance
  • Product Liability Insurance
  • Reps and Warranties Insurance
  • Tenant Legal Liability Insurance