Protect your business from costly damages with a Commercial General Liability Insurance that's tailored for your needs.
Our certified business insurance specialists will work with you one on one to make sure you get the best possible coverage based on your needs and budget so you can focus on running your business instead of worrying about how much money it will cost if something goes wrong!
Questions? Call (763) 244-3735
General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:
A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy’s limits of liability.
One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.
You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy’s limits of liability.
General liability insurance will not protect you from everything. For example, General liability will not cover you against claims of negligence, even if it isn’t you or your business’ fault. Some people buy other business liability insurance along with general liability
Professional liability insurance, also known as E&O Insurance, is coverage for another person’s claims against businesses that provide professional and personal services.
Business Owners Policy (BOP) is enhanced insurance that combines general liability insurance and property insurance.
You should consider general liability insurance coverage, also called commercial general liability insurance if you or your employees:
Interact with clients face to face – If you visit a client’s place of work, or clients visit yours. You also need it if you represent your client’s business
Are required to have general liability insurance before entering into a contract
Have access to a client’s equipment – For example, IT professionals should be covered against potential claims with IT business liability insurance
Use third-party locations for any business related activities – For example, architects should make sure that they’re covered with architects business liability insurance
Insurance Specialists Team specializes in business liability and workers comp insurance for professional services businesses like yours.
Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help manage your cash flow.
Tailored Insurance: We have focused niche specialists in businesses like yours and tailor coverage to the risks in your field.
Coverage for contracts: Our liability insurance coverage satisfies most standard contract insurance requirements.
We have certified work comp advisors and specialists: It’s estimated over 55% of businesses overpay for their work comp. We know why.
We have Oshalogs: It will make reporting a breeze.
Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
Be one of our happy and satisfied clients. We will always ensure that you get the best rates, the best policy, and the best service on your insurance.
''This is a wonderful team of individuals who quickly assess your insurance needs to find you the best and most affordable option out there. They are knowledgeable, friendly and helpful. I highly recommend working with them for your home and business needs.''
'' We have been doing business with Insurance Specialist Team for 2 years now. We require fast turn around on insurance certificates on a weekly basis, sometimes multiple times a day. We have them in hand within 5-10 minutes on average which helps keep our business alive. The team is friendly, knowledgeable and always willing to do what they can to help out.''
''IST is the best company I have ever had insurance through. Julie Evans and her staff are very attentive, helpful, and most of all kind. What I love most is that they never stop helping you. Instead of giving me a one and done policy, they regularly review my policies to see if they can save me more money. They go above and beyond for their clients. Highly recommended. No complaints.''
''We have been working with Insurance Specialist Team (IST) for some time now and extremely happy. Their service is outstanding as well as their ability to work seamlessly between our accounts in Minnesota and Arizona. We are true advocates of great customer service, and the IST continually exceeds our expectations every time.''