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.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
