General Liability
Insurance That Works as Hard as You Do
As a business owner, you're responsible not only for the quality of your work but also for the safety of anyone who steps through your doors. The reality is, unexpected accidents can happen. Whether it's a customer slipping in your store or an employee accidentally damaging someone’s property, you could be facing costly legal claims.
What we cover
Also known as Commercial General Liability Insurance, this coverage protects your business from financial losses when someone is injured on your premises or if their property is damaged while you're conducting business. General liability insurance isn’t just for big corporations — it’s crucial for small businesses, too. In fact, a significant number of small businesses face property or liability claims each year. Whether you sell products, provide services, or both, you need a safety net that protects your business when the unexpected happens.
Third-Party Injuries
If a customer or visitor gets injured on your business premises (like slipping and falling), this covers their medical costs and your legal fees if they file a claim.
Property Damage
If an employee accidentally damages a client's property during business operations, general liability insurance helps cover repair or replacement costs.
Legal Defense Costs
If you're sued by a third party for injuries or damages, this insurance covers your legal defense and settlement costs, up to the policy limits.
Why The Ford Agency
Running a business is challenging enough without worrying about potential accidents or legal claims. With general liability insurance, you can focus on growing your business while we handle the "what-ifs." Ready to protect your business? Request a free quote today and see how Ford Insurance can provide the coverage you need to operate with confidence.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
