General Liability Insurance

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General liability insurance provides protection that keeps up with your industry.

Get coverage for the uncertainties in business with general liability insurance.


What is General Liability Insurance?

What is General Liability Insurance?

Who Needs General Liability Insurance in Missouri?

Who Needs General Liability Insurance in Missouri?

General liability insurance is essential for businesses of all sizes and industries. It provides protection against a wide range of risks and is recommended for:

  • Small Businesses
  • Contractors and Construction Companies
  • Professional Service Providers
  • Retailers and Manufacturers
  • Service-Based Businesses
  • Event Organizers
  • Landlords and Property Owners

Why Choose Webb Insurance?

At Webb Insurance, we strive to provide our clients with the highest level of service and support. Here's why you should choose us for your general liability insurance needs:

  1. Expertise: With years of experience in the insurance industry, our team of knowledgeable professionals understands the unique risks faced by businesses in the St. Charles, O'Fallon, St. Peters, and Missouri areas. We can help you identify potential liabilities and develop a comprehensive insurance plan to mitigate them.

  2. Tailored Coverage: We believe that one size does not fit all when it comes to insurance. Our agents will work closely with you to assess your business's specific risks and create a customized insurance package that suits your needs and budget.

  3. Affordable Rates: We understand the importance of cost-effective insurance solutions for businesses of all sizes. Our team will shop around and compare quotes from multiple insurance providers to ensure you receive the most competitive rates without compromising on coverage.

  4. Local Knowledge: As a locally owned and operated insurance agency, we have an in-depth understanding of the unique challenges faced by businesses in the St. Charles, O'Fallon, St. Peters, and Missouri areas. We are committed to serving our local community and providing personalized service.

  5. Exceptional Customer Service: At Webb Insurance, we prioritize building long-term relationships with our clients. Our dedicated agents are always available to answer your questions, provide guidance, and assist you throughout the claims process. We are here to support you every step of the way.

Frequently Asked Questions About General Liability Insurance



Q: What is general liability insurance and What Does it Cover?

A: General liability insurance, also known as commercial liability insurance, provides coverage for businesses against third-party claims of bodily injury, property damage, advertising injury, and medical payments. It helps protect your business from financial losses and provides coverage for legal costs, medical expenses, and damages resulting from accidents, negligence, or faulty products or services.

Q: Why do I need general liability insurance?

A: General liability insurance is essential for businesses as it helps protect your assets, reputation, and financial stability. It provides coverage for legal defense costs, settlements, and judgments in case of third-party claims for property damage, bodily injury, or personal injury. Without this coverage, your business may be vulnerable to significant financial losses that could impact its operations or even lead to closure.

Q: How much general liability insurance coverage do I need?

A: The amount of coverage you need depends on various factors, including the size and nature of your business, the industry you operate in, and the potential risks you face. It is advisable to work with an experienced insurance agent who can assess your specific needs and recommend an appropriate coverage limit to adequately protect your business.

Q: Can I add additional coverage to my general liability insurance policy?

A: Yes, in addition to general liability insurance, you can enhance your coverage by adding endorsements or riders to your policy. These additional coverages can include protection against cyber liability, professional liability, product liability, or employment practices liability, among others. Discuss your specific needs with your insurance agent to determine the best additional coverage options for your business.

Q: How much does general liability insurance cost?

A: The cost of general liability insurance varies based on several factors, including the size and type of your business, the industry you operate in, the coverage limits you choose, and your claims history. It is best to consult with an insurance agent who can provide you with personalized quotes and help you find a policy that fits your budget while providing adequate coverage.

Q: Does general liability insurance cover accidents that occur off my premises?

A: Yes, general liability insurance typically provides coverage for accidents that occur both on and off your premises. This coverage extends to incidents that happen while conducting business operations, attending trade shows, or providing services at a client's location. However, it is important to review your policy carefully to understand the specific terms and conditions of coverage.

Q: Can I bundle general liability insurance with other types of business insurance?

A: Yes, many insurance providers offer package policies that allow you to bundle general liability insurance with other types of coverage, such as property insurance, commercial auto insurance, or workers' compensation insurance. Bundling policies can often result in cost savings and simplified management of your insurance coverage.


General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.

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