What is General Liability Insurance?

General liability insurance, which is also known as business liability insurance, is a crucial requirement for running a business in the USA. It is not only a federal mandate, but it also protects your business. As a tech business, your business must need general liability insurance to safeguard your business against various issues that may arise.

At Jain Insurance Agency, we understand that every tech business is unique and has different insurance needs. That's why we offer a wide range of insurance coverage options to meet the specific requirements of businesses of all sizes. Our coverage includes various aspects of general liability, which makes it a perfect fit for technology businesses and IT professionals. We provide end-to-end protection to ensure that your business is adequately covered in case of any unforeseen events.

General Liability Insurance

What Can General Liability Insurance Cover For Your IT Business?

In the IT sector, businesses are often exposed to various potential risks. General Liability insurance can provide coverage for the most common types of risks, such as customer injury or damage to customer property. With this insurance, you can have peace of mind knowing that they are protected in the event of an unexpected incident.

Common Risks

Common Risks

As a tech business owner, it is crucial to protect your enterprise from potential risks that may arise. General liability insurance is an essential coverage that safeguards your business from common liabilities such as injuries, property damage, slips and falls, and other unexpected events.

Advertising Injury And Errors

Advertising Injury And Errors

Advertising is a common requirement for tech businesses. Whether you're promoting your tech company or doing it for clients, you may unknowingly include copyrighted material or hurt someone's feelings through the ad. In case such errors happen, general liability insurance can provide coverage.

Client Property Damage

Client Property Damage

As a tech business, you may need to handle customers' technologies such as computers, servers, mobile phones, and other devices. However, there is a risk of damaging these valuable assets, which can be detrimental to your company. To protect yourself against such issues, it is recommended to invest in general liability insurance.

Various IT Businesses We Can Cover With Our General Liability Insurance in St. Louis

  • Software Development Companies
  • Web Development Companies
  • Marketing Firms
  • SEO Agencies
  • Web Designing Agencies
  • IT Consulting Companies
  • Mobile App Development Companies
  • Game Development Companies
  • SAAS Service Providers

Benefits Of Having General Liability Insurance For Your IT Business

Protection Against Lawsuits
Protection Against Lawsuits
General liability insurance can protect your business from lawsuits. If a client or third party sues your IT business for bodily injury, property damage, or advertising injury, it can cover legal fees, settlements, and court-ordered judgments, saving your business from potentially crippling financial losses.
Coverage for Property Damage
Coverage for Property Damage
General liability insurance can also protect your business from claims of property damage caused by your business operations. For example, if you accidentally damage a client's computer equipment while providing IT services, your insurance can cover the cost of repair or replacement.
Client Contracts
Client Contracts
Many clients require proof of insurance before entering into a contract with an IT vendor. Having general liability insurance can help you secure new business and demonstrate your commitment to protecting your client's interests.
Legal Defense Costs
Legal Defense Costs
If your IT business is sued, general liability insurance can cover the cost of legal defense, including attorney fees, court costs, and settlements or judgments. This can save your business from having to pay these expenses out of pocket, preserving your financial resources for other business needs.

More Policies You Should Consider For Your IT Business

While general liability insurance can offer some level of protection if you run an IT company, you may need more specialized coverage to protect your business from technology-related risks. With the constant advancements in technology, it's essential to have insurance that can provide coverage for cyber attacks, data breaches, and other technology-related risks that can put your company in jeopardy. Here are some policies you should consider

Tech Errors and Omissions Insurance

This insurance protects IT businesses from claims of professional negligence, errors, or omissions that result in financial harm to clients. It covers legal fees, settlements, and judgments that may arise from such claims.

Cyber Liability Insurance

Cyber Liability Insurance

Cyber liability insurance is one of the essential insurance required for your IT business. It covers the costs associated with a data breach, including notifying affected individuals, forensic investigation, credit monitoring, and legal expenses.

Business Owner's Policy (BOP)

Business Owner's Policy (BOP)

A BOP combines general liability insurance with property insurance to provide comprehensive coverage for small to medium-sized businesses. It typically includes coverage for property damage, business interruption, and liability protection.

Workers' Compensation Insurance

Workers' Compensation Insurance

Workers' compensation insurance is necessary to run a business in most of the states. It provides benefits to employees who are injured or become ill on the job, including medical expenses and lost wages.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI)

EPLI protects your business against claims of wrongful employment practices, such as discrimination, harassment, or wrongful termination. It covers legal fees, settlements, and judgments related to such claims.

Choose Jain Insurance Agency For General Liability Insurance In St. Louis

As a fellow business, we understand the challenges and complexities involved in managing a business in the United States. Therefore, we strive to simplify the process of obtaining general liability insurance in St. Louis, making it a stress-free experience for business owners.

Broad Coverage Options
We typically offer a wide range of coverage options to meet your business's specific needs. We can tailor a policy to include the right protections for your IT business, ensuring you have comprehensive coverage.
Industry Expertise
We have specialized knowledge and experience in ensuring businesses in the IT industry. We understand the unique risks and challenges faced by IT businesses and can provide customized solutions to address them.
Claims Handling
We have streamlined the claims process, making it easier and faster for you to file and resolve claims. This can minimize disruptions to your business operations and help you get back on track sooner.

Protect Your IT Business With The Licensed Insurance Agency In St. Louis

If you're running a tech business in the United States, there are many factors to consider, and one of the most important is to ensure that you have general liability insurance. We provide general liability insurance in St. Louis with coverage from various providers. With our extensive experience and expertise, we can guide you to find the right insurance policy that meets your business needs. Reach out to us for your insurance needs!


    The Jain Agency shall not be liable for any damages in connection with the use of any information provided on this page. This information is intended to be educational. Please consult with us to know about specific plans and coverages

    The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.

    The Jain Insurance Agency is a mid-level insurance agency that collaborates with various insurance providers. Contact your insurance provider for any insurance-related concerns.

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