General Liability Insurance

Anyone who comes into contact with you or your employees during the course of doing business can file a claim or lawsuit against you for several reasons.

That's why when it comes to general liability insurance, Mason-McBride can customize a package that protects against the risks that affect almost every industry. 

General Liability Insurance (a.k.a. CGL for Commercial General Liability) protects against instances related to property damage and bodily injury and is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it's essential.

At Mason-McBride, we represent a wide range of liability insurance carriers in Michigan and can help pair your business with the best coverage and pricing.


What Does Liability Insurance Cover in Michigan?

Liability Insurance can help guard you, your organization, and your employees from claims involving bodily injury or property damage restating from your covered business operations. In addition, these policies generally address the expense of out-of-court settlements, litigation, and judgments awarded by courts. Often General Liability Insurance is paired with Business Owners Policy.

Coverage examples:

  • Bodily Injury/Property Damage: Claims of damage caused by your actions to a third party.
  • Advertising Injury: Allegations that you libel or slandered someone or violated their rights.
  • Reputational Harm: Claims that you damaged the reputation of a business.


Business insurance michigan


What Businesses Benefit from Liability Insurance?

Companies of all sizes can benefit from general liability insurance. For small business owners, however, general liability insurance is particularly critical, as it provides protection against the financial impact of lawsuits settled in favor of the plaintiff that could drain the company's funds and even drain the personal funds of the business owner.


Getting a Quote for Liability Insurance

With any insurance, there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.

Our agency will guide you through the process and make it easy. Many times companies will require you to show them a certificate of insurance before you can do work for them.

This proves that you have active insurance coverage, which is typically required if you're running a business in most states.


Cost of Business Insurance

Businesses face various risks, and they have different insurance requirements in Michigan. Your profession largely determines the cost of Michigan business insurance.
In most cases, companies are rated based on the exposures unique to their industry. You will have the opportunity to review your options and determine the level of coverage you need during your free consultation with Mason-McBride.

Factors that may impact commercial insurance costs include:

  • Business's size
  • Industry
  • Risk level


Liability Insurance Michigan: Things to Consider

Without adequate liability protection, your small business could go bankrupt after just one hefty lawsuit, which is impossible to predict.

Keep in mind that general liability insurance is just one type of business coverage needed, as you may have liability risks beyond the scope of general liability insurance. Commercial general liability insurance (CGL) can be purchased either as a stand-alone policy or as part of a business owner's policy (BOP).

If you're confused by any of this, don't worry; we'll make the process easy. We proudly offer clients advice and counsel while providing coverages that make the most sense for your unique business needs.


Why Choose Mason-McBride?

As a locally-owned Michigan business, our clients are at the core of everything we do. We are committed to providing superior customer service and providing personalized advice and counsel.

Mason-McBride has partnered with a select group of reputable insurance companies to offer premier business insurance coverage at a price your company can afford. Our commitment is to work with you as a long-term partner and provide the expert counsel you need to make an informed decision based on your overall business strategy.


Insurance for all Michigan Cities

Not all companies are the same. When choosing business insurance in Michigan, working with someone you trust is essential. We have over 100 years of experience helping small business owners protect their companies with coverages like general liability insurance. In addition, our business insurance policies can be customized for any Michigan city, including, but not limited to:


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Are you ready to save time, aggravation, and money? The team at Mason McBride is here and ready to make the process as painless as possible. We look forward to meeting you!