Commercial Liability Insurance

Coverage for Common Business Risks

What General Liability Insurance Covers

General liability insurance is one of the most fundamental forms of protection for businesses of all sizes. It is designed to help cover claims involving bodily injury, property damage, and certain personal or advertising injuries that can arise during normal business operations. Even businesses with strong safety practices can face unexpected incidents, making general liability coverage an essential safeguard against financial loss. At DRD Insurance, we help business owners understand how general liability insurance works and how it fits into a broader risk management strategy. This type of insurance can help cover medical expenses, legal defense costs, settlements, and judgments related to covered claims. Whether a customer slips and falls at your location, property is damaged during a service call, or a claim is made alleging advertising injury, general liability insurance helps protect your business from potentially devastating expenses. Coverage needs vary based on industry, location, and business activities, which is why thoughtful policy selection matters. As an independent insurance agency, DRD Insurance compares general liability policies from multiple carriers to help ensure coverage limits, exclusions, and pricing align with your specific risk exposure. We take the time to explain how claims are handled, what incidents are covered, and where additional coverage may be needed. General liability insurance is not just about meeting contractual requirements—it is about protecting your business reputation, financial stability, and long-term viability.

Protect Your Business From Costly Claims

Bodily Injury and Property Damage

General liability insurance helps cover claims related to bodily injury or property damage caused by business operations, protecting against medical costs, repairs, and legal expenses.

Personal and Advertising Injury

Coverage may include protection against claims involving libel, slander, copyright infringement, or advertising-related injuries arising from marketing or business communications.

Legal Defense and Settlement Costs

General liability policies often help cover legal defense fees, court costs, and settlements, reducing the financial impact of lawsuits and claims against your business.

Reducing Financial Risk for Your Business

At DRD Insurance, we approach general liability insurance with a focus on clarity and real-world application. Our process begins by understanding how your business operates, where interactions with customers or the public occur, and what level of exposure exists. Because we are an independent agency, we are not limited to a single carrier’s policy language or coverage limits. This allows us to compare general liability insurance options and explain differences in coverage scope, exclusions, and pricing. We help business owners avoid underinsuring common risks while also preventing unnecessary coverage that adds cost without value. Our team stays informed about industry trends, claims patterns, and carrier underwriting standards so guidance remains accurate as business environments change. If a claim arises, we assist clients in understanding next steps, communicating with the insurer, and navigating the claims process. Over time, we review coverage as businesses grow, add locations, or expand services. At DRD Insurance, general liability insurance is not treated as a checkbox—it is a foundational layer of protection designed to support business continuity and long-term confidence.