Wexford Insurance is a trusted business insurance agency in Indianapolis, Indiana. We supply all lines of coverage including General Liability Insurance, Property Insurance, and Workers Compensation Insurance for all types of companies. 

 

Every single business should at least purchase General Liability Insurance. From a small start-up to a large national business General Liability Insurance is one of the most important coverages for a sound risk management program. 

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General Liability Insurance helps protect your business from claims of: 

• Bodily Injury caused by or as a result of your business operations. (Slips and Falls from customers on your property) This policy helps pay for medical expenses that you are liable for from bodily injury your business was responsible for. 

• Property Damage caused by or as a result of your business operations. (Breaking window at customers property) This policy helps pay for those costs that you are liable for from property damage your business was responsible for. 

• Advertising Injury that your business causes by defaming another business or person. 

• Reputational Harm, where you say something in an interview or writing about another business negatively impacting their company. 

With respect to the 4 main coverage parts above, the policy also pays for court costs, judgements, and settlements for covered claims. It also covers administrative costs to handle covered claims. 

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General Liability Insurance is also referred to as commercial general liability insurance and business liability insurance. 

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General Liability Insurance does not cover the following:

• Commercial Auto Accident that you or your employee causes while driving for work. A Commercial Auto Insurance Policy or Hired and Non-Owned Insurance Policy would cover this exposure. 

• Employee injuries and sickness caused from work or work-related activities. This exposure to loss would be better covered under a Workers Compensation Insurance Policy. Workers Compensation Insurance gives your employees benefits to help them recover from a work-related injury. 

• Damage to your business property. This exposure can be covered under a commercial property insurance policy. This helps protect your owned or rented building or business equipment. 

• Errors while rending professional services. Professional Liability Insurance covers your legal your legal costs up to the policy limit if a client sues you for a mistake in the services you provided them. 

• Claims that cost you more than the policy limit. Most General Liability Insurance limits go up to $1M for one occurrence. Some General Liability claims could result in over $1M in defense costs, settlements, court costs, and judgements. Having a Excess Liability Policy or Umbrella Policy can help extend your limits higher than $1M. 

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Even though state laws generally don't require businesses to carry General Liability Insurance, some venders or customers you work with may request a Certificate of Insurance requesting proof of liability protection before working with you. 

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It is a good idea to purchase General Liability Insurance if you:

• Have a Building, Store, or Office that is open to the public, clients, or vendors

• Handle or work near client property

• Advertise or create marketing materials for your business

• Use social media professionally or personally. 

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Free Assistance:

Wexford Insurance works with top insurance companies to provide you with affordable and quality insurance. We will never sell your information and our services are free of charge. Give us a call today at 317-942-0549 or fill out the link below to start the quoting process.