Protecting Your Business - With JMD
Why do I need it?
As a business owner, having general liability insurance is paramount to protecting you and your employees. General liability insurance covers accidental injuries or damage to property. Aside from physical incidents, it also helps protect against copyright infringement and defamation.
A general liability claim can come from one of several causes. A product you sell causes injury to someone or damage to their home. A viral social media post spreading misinformation about your company causes you to lose sales. Somebody plasters your logo on an item and sells it for half price. Any number of events can take place that may put your business in a tough spot.
At JMD, our team of agents are here to weigh all options and acquire the best rate for your business.
How to find the best rate with JMD:
- Scheduling a consultation: Schedule a consultation with one of our knowledgeable agents. We’ll assess your business needs and provide guidance on the coverage that suits you best.
- Customized quote: Receive a customized insurance quote based on the coverage options discussed during your consultation. Our transparent pricing ensures you know exactly what you’re getting.
- Issuing policies: Once you’ve chosen the coverage that fits your business, we’ll expedite the policy issuance process, getting you the protection you need promptly.
- Ongoing support: JMD is committed to providing ongoing support. As your business evolves, we’ll review and adjust your coverage to ensure it remains in line with your changing needs.
Weighing premiums and deductibles:
Once we’ve identified the best possible coverage rate for you and your business, JMD will help you determine the most cost-effective approach to premiums and deductibles.
As a general rule of thumb, higher deducible plans are seen as lower risk by providers which means they come with the benefit of lower monthly premiums. Alternatively, lower deductible plans are seen as higher risk by providers resulting in higher monthly payments.
General Liability Insurance FAQS
General liability insurance helps when there’s a claim related to third-party injuries or property damage that happens in connection with your business operations. It isn’t just about accidents — it’s about the kinds of costs businesses might face when they’re held responsible for something that goes wrong.
Not really. General liability tends to focus on bodily injury and property damage during normal business activities. Professional liability usually deals with errors, omissions, or advice that causes someone else financial harm. They can overlap in ideas, but they are not the same.
Workers’ compensation is about covering employees who get hurt or sick because of their job. General liability is about the public — customers, clients, or anyone else who interacts with the business and gets injured or has property harmed. They operate in different domains.
Yes, that’s one of the scenarios this kind of coverage is designed for. If someone slips, falls, and gets hurt on your premises, general liability can help cover the costs associated with that claim instead of the business having to pay out of pocket.
It applies more broadly than just the physical property. Claims may arise from incidents that occur as part of your operations — not necessarily in your building. That’s part of why so many businesses consider it foundational.
In many situations, it does. If there’s a claim and legal involvement, costs can accumulate fast. General liability is built to help with those costs rather than leaving the business alone with them.
Most businesses benefit from having it as early as possible once they start interacting with customers or performing services. Waiting until after an incident means the business would be absorbing costs that could have been mitigated.
Ask us about additional ways to save including:
- Accident and ticket-free discounts
- Bundling your Auto and Homeowners policies
- Completing an online Defensive Driving Course for an additional 10% off your auto premium
We offer state certified Defensive Driving Courses for New York drivers.
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