Iowa General Liability Insurance

General Liability Insurance is an important coverage for any business. As a business owner in Iowa, every transaction or business you pursue may present a profit. The transaction may also pose some risk. All businesses should have this coverage regardless of the size of the business. General Liability coverage protects you if a customer is injured at your place of business and it is especially important for businesses the frequently visit a clients’ place of business.

Your business faces the risk of liability every day and you need to protect your assets by having a general liability policy. Slip and fall accidents are one of the most common general liability claims. When a customer slips and falls you may or may not be at fault however preventing accidents from occurring or recurring is crucial to your business. Knapp Tedesco Insurance has access to top-notch loss control experts that can work with you and your employees on safety programs and offer safety materials to help educate and keep safety top-of-mind. Mitigating future losses is a key component to prevent accidents and subsequent general liability claims. However, when a claim occurs, rest assured we will give you the best service possible. Our Business Liability Insurance carrier partners are some of the best in the business at claims handling.

A General Liability policy provides coverage for liability which results in bodily injury, property damage or personal and advertising injury.

• Bodily Injury – coverage for bodily injury incurred in which you are legally liable for.
• Property Damage – covers damages to property of others in which you caused damage.
• Personal or Advertising Injury – protects against liability arising out of certain offenses such as libel, slander, false arrest and copyright infringement.
• Medical Payments – covers medical expenses for accidents which occur on your business premise involving the general public.
• Defense Costs - if you are sued, a Business Liability Insurance policy will handle the defense and legal fees. Many times legal counsel and fees are covered and paid in addition to your limit of liability.
  

If your business offers professional services such as consulting, Professional Liability Insurance (also referred to errors and omissions insurance) may also be necessary. The professionals that typically need this coverage are engineers, architects, IT consultants, lawyers, and medical professionals.

The agents at Knapp Tedesco Insurance have been insuring businesses since 1926 and will work with you to customize your policy to fit your company’s needs. We can offer you a wide range of limits and deductible options and guide you to the level of Iowa Business Liability Insurance which is right for your business.

Knowing what is covered is just as important to knowing what is not covered when it comes to general liability. Professional services, liability arising from your business vehicles, employee injuries (Workers Compensation) and intentional acts are typically not covered on a general liability policy. Our experienced agents will review the risks your business faces and give you the peace of mind you need knowing your business is properly protected.

Don’t let your profit potential be impacted by an insurable risk. You have worked hard to build your business; don’t let a claim impact your business and its future.

Complete the Quote Form on this page or give us a call and one of our agents will be in touch with you to make recommendation to best protect you and your business.