Choosing the right general liability policy starts with evaluating your risk exposure: consider your industry, number of employees, annual revenue, whether you work on client properties, and your state requirements. Most small businesses need at least $1 million per occurrence and $2 million aggregate in GL coverage. Businesses with higher risk — contractors, manufacturers, restaurants — may need higher limits or an umbrella policy. An independent agent can compare quotes from multiple carriers to find the best coverage at the best price.
Look beyond price when choosing a policy. Check the carrier AM Best rating (A- or better), review exclusions carefully, and understand your deductible structure. Consider bundling GL with property insurance in a Business Owners Policy (BOP) to save 10-15%. Working with an independent agency like Bridgeway Insurance gives you access to multiple carriers and personalized advice. Call (601) 264-0541 or request a quote online.
