General Liability Insurance

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.

For more on premiums and deductibles visit our FAQ page.