General Liability Insurance Coverage

As a business owner, every act you participate in can result in either a profit, or a risk. Protecting your business from the impact of potential lawsuits should be a top priority. Liability losses can (and have) caused many businesses to fail. And while only a carefully crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle.

Liability insurance covers the costs of legal fees, including court costs and the resulting award/judgement if any is made. The insurance company has a duty to defend you including against frivolous lawsuits. Imagine the peace of mind you’d have being free from worry about the attorney costs as a liability case grinds on, potentially for years; and if you’ve got something to take, the plaintiff’s attorneys will often make sure it does.

Massachusetts liability insurance is appropriate for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your tolerance for risk of financial loss.


Personal Liability
Business Liability
Professional Liability
Public/General Liability

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General liability insurance is not designed to protect you from everything, however. For example, general liability does not cover you against claims of negligence, even if it isn’t you or your business’ fault. This is because not every business needs that variety of protection (this coverage can potentially be purchased for an additional premium), so to make it part of the policy would over insure lots of businesses, and make the coverage needlessly expensive. You should consider general liability insurance coverage, also called commercial general liability insurance, if either you or your employees:

  • Interact with clients face to face: If you make sales calls or visit clients at their place of business, their home or they visit your location.
  • Work on or at other people’s property: For example contractors working at someone’s home need general liability in order to cover accidental damage to the property.
  • Have access to equipment that’s not yours: Business liability is ideal for IT professionals, electricians, other repair or technical services.
  • Represent your client’s business to other companies.
  • Use third-party locations for any business related activities: Business liability can cover architects, designers, wedding planners, etc.
  • If you are required to maintain general liability insurance as part of a contract.

Finally, general liability can often be combined with several other coverages (such as property) on a business owners package policy for truly tailored coverage.


Kovalev Insurance specializes in covering professional services, and local businesses like yours. We have everything you need right here, including:

  • Monthly payment options to help spread out your payments so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees and independent contractors
  • Past work covering unforeseen claims arising from work completed before you were even insured, to a pre-agreed date
  • Worldwide coverage as long as the claim is filed in the U.S., U.S. territories or Canada
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, passionate service
  • Coverage for contracts satisfying most standard contract insurance requirements

Contact us today for a personalized consultation and see what sets us apart!


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