General Liability Insurance
General Liability
General Liability Insurance in Des Moines, Iowa
Today, it’s a very good idea for a small business to carry General Liability Insurance. Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Densmore Insurance Strategies, Inc., we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.
Commercial General Liability Insurance from Densmore Insurance Strategies, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Densmore Insurance Strategies, Inc. include:
- Premises Liability
- Products and Completed Operations
- Premises Medical
- Fire Legal Liability
- Casualty Coverage
Other types of Commercial General Liability Insurance include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.
Additional Commercial Liability
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
Foreign Liability
Protects employees who travel out of the country (for business purposes) in the event of injuries, damages, and lawsuits.
Liquor Liability
Includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor – from liquor establishments to office parties/special events.
Concession Liability
Keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.
What Kind of Business Insurance Do I Need?
To find your insurance sweet spot, you’ll have to figure out what coverage makes sense and that the benefits will outweigh the premium costs. To do this you’ll have to answer heaps of questions and make tons of decisions, but your patience and effort will be rewarded with peace of mind.
Example: You’re the proud owner of a thriving banana stand franchise with 12 locations spread across the great state of Nebraska. Do you want theft coverage, even though your equipment, ingredients, and stand materials only total $10,000? Yeah, that’s just a taste of the kind of questions you’ll be answering.
Company Size Is a Huge Factor
One of the biggest price and process factors for finding insurance depends on the size of your company. A small startup will face a much easier process than a big corporation with multiple locations.
Types of companies:
Small – Sole Proprietors, S Corps or LLCs
This will be a more decision‑friendly process. You can get a Business Owner's policy (BOP) and packages that offer a number of check‑the‑box options.
Big – Major Corporations, Franchises or Conglomerates
Here is where the business faces significant financial risks from all the different coverage options. Certain locations may need different types of coverage, and with a larger workforce, you might want more appealing benefits to attract talent.
How Much Does It Cost in Des Moines, Iowa?
The cost of business insurance policies depends on the coverage and a number of other factors like size, location, and materials used. So, a small children’s book publisher might only pay $550 a year, whereas an underwater oil drilling company could pay $550,000 a year. Basically, the safer and smaller the company, the cheaper it is.
Since there are many types of liability coverages, it is important to talk with a specialist at Densmore Insurance Strategies, Inc. about the best options for your business.
Our goal at Densmore Insurance Strategies, Inc. is to provide insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.
We specialize in Commercial General Liability Insurance in communities near Ankeny, Altoona, Bondurant, Des Moines, West Des Moines, Johnston, Waukee, Grimes, Polk City, Pleasant Hill, Norwalk, Huxley, and Urbandale, Iowa. We are licensed to serve Iowa, Illinois, Nebraska, Florida, Missouri, Arizona, Texas, and Tennessee.
Frequently Asked Questions
Common questions about general liability insurance coverage.
What is commercial insurance?
Commercial insurance is a type of insurance that provides protection for businesses, organizations, and professionals. It can help protect your business from financial losses due to accidents, property damage, lawsuits, and other unexpected events.
Why do I need commercial insurance?
Commercial insurance can help protect your business from a variety of risks, including property damage, liability, and lawsuits. It can also help you cover the costs of repairs or replacements if your business is damaged or destroyed.
What types of commercial insurance are available?
There are many different types of commercial insurance available, depending on the needs of your business. Some common types of coverage include property insurance, liability insurance, workers’ compensation insurance, and product liability insurance.
How much commercial insurance do I need?
The amount of commercial insurance you need will depend on the type and size of your business, as well as the risks involved. You should speak with an insurance agent or broker to determine the right amount of coverage for your business.
How much does commercial insurance cost?
The cost of commercial insurance will vary depending on the type and amount of coverage you need. Speak with an insurance agent or broker to get a custom quote for your business.
Contact Us
You deserve the best insurance coverage and we can provide it.
We know that you have a lot of choices when it comes to choosing an insurance company. That’s why we work hard to make sure that you always have the best possible coverage at the best possible price. We want you to be confident that your family is taken care of in case something happens. That’s why we offer a wide variety of insurance policies, so you can find the perfect one for your needs. And our team is always here to help – so don’t hesitate to call us if you have any questions.
Request a free quote today. You can contact us at (515) 967-3390
Phone
(515) 967-3390
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035