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Home > General Liability Insurance - Maryland, Delaware, North Carolina

General Liability Insurance


General Liability Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

General Liability Quote

General Liability Insurance Information

Accidents can take place anywhere, even at businesses. While the majority of them can be easily dealt with, some accidents may take a lot of time and money to resolve. For small businesses, they likely do not have the finances to deal with major lawsuits. 

General liability insurance helps protect your business against accidents that occur on company property. It can assist a business in carrying the burden of a lawsuit as well as other expenses related to an accident. 

Wilgus Insurance Agency works with business owners across multiple industries to find and adjust general liability policies for their company. When you choose us, our agents the stress out of dealing with a large, unresponsive insurance company, while assisting you in selecting tailored, inexpensive benefits that will always be there when your business needs them. Our goal is for every client to walk out our doors with the satisfaction of receiving top tier coverage to keep them safe in all aspects of life.  

Protect your business today by calling 844-494-5487 or filling out an online form for a free quote today.  

Common General Liability Insurance Questions 

Do I need General Liability Insurance? 

Everyone needs general liability insurance, that includes businesses. Accidents can happen at any place at any time, in the most unexpected ways. An unexpected lawsuit can destroy a business that isn’t properly prepared. General Liability Insurance assists in lifting the burden that is often caused by unexpected accidents at the workplace.  

How is General Liability Insurance Defined?  

General liability insurance is a type of insurance that covers lawsuits and accidents related to non-professional negligent acts.  

What Does General Liability Insurance Cover?  

General liability insurance covers three main areas:  

 

  • Bodily Injury: This covers medical expenses as well as legal fees related to a third-party injury on the property.

  • Property Damage: This covers incidents of property damage that occurs out of everyday business activity.

  • Personal/Advertising Injury: This coverage covers personal and advertising injury such as libel, slander, copyright infringement and invasion of privacy.

  

How Much General Liability Insurance Do I Need?  

Most general liability policies being around $1 million, but your business may require you to get higher limits, depending on the likelihood of lawsuits, size of the business and type of possible lawsuits.  

How Does General Liability Insurance Work?  

General liability insurance protects both the business and victims in an accident that results in bodily injury, property damage, and personal or advertising injury. The policyholder can either pay monthly or yearly premiums for coverage. Once a claim has been filed and approved, the policyholder will then receive compensation for particular expenses related to the incident.  

How Much Does General Liability Insurance Cost for A Business?  

The price of general liability insurance may vary based on the location, size of the business, the claims history and industry, the deductible and applicable coverage limits. For a $1 million policy, businesses should expect to pay between $300 and $1,000 a year for coverage. 

Who Does General Liability Insurance Cover?  

General liability insurance covers the business and its employees, as well as any victim of a general liability accident. 

 

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Locations

Salisbury

1203 Pemberton Dr.
Salisbury, MD 21801

Ph: (410) 742-8240

Millsboro

400 Delaware Ave 103
Millsboro , DE 19966

Ph: (302) 934-1502

Delmar

10977 State St. 1
Delmar, DE 19940

Ph: (302) 846-3113

Seaford

22937 Sussex Hwy.
Seaford, DE 19973

Ph: (302) 629-5140

Raleigh

Raleigh, NC 27603
Ph: (410) 742-8240
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