Richmond Commercial General Liability Insurance

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Running a business is tough. That’s why we’ve made getting the right insurance as simple as possible. With Bullfrog, you get instant coverage, rockstar treatment and no bull. Get Richmond commercial general liability insurance online with us if you want to protect your business without any hassle.

How to Get Commercial General Liability Insurance in Richmond

Bullfrog offers online commercial general liability insurance in Richmond, whether you’re looking for a quote or to get protected today. Here’s how it works:

  1. Enter your industry and profession.
  2. Provide some basic contact info.
  3. Answer a few questions about your business.
  4. Choose the insurance coverage you want.
  5. Review your Richmond commercial general liability insurance quotes.
  6. Choose an insurance provider.
  7. Pay online.
  8. You’re insured!

We email your insurance documents and certificates right away. And if you need any help, our insurance experts are there via chat, email or phone call.

Why do I need commercial general liability insurance in Richmond?

Although commercial general liability insurance is not required by law in Richmond, you may need to carry this coverage for two main reasons:

  1. You’re required to have this coverage by a contract, such as with a landlord or client.
  2. You cannot afford to pay for a lawsuit out of pocket.

Unfortunately, lawsuits can be financially devastating to a business. Richmond commercial general liability insurance can help reduce the financial burden and protect your company.

How much commercial general liability insurance does my Richmond business need?

The amount of commercial general liability insurance your Richmond company needs will depend on your individual circumstances. Here are some questions to consider:

  • How common are lawsuits in your industry?
  • How much do lawsuits in your industry generally cost?
  • Does your business have any additional risks not usual to your industry? Fewer risks?
  • How many employees do you have?
  • Where do you operate (I.e. within a single province, nationally, internationally)?
  • Where is your business located?
  • Who are your customers?
  • What is your annual revenue?
  • What do your business operations include?
  • Do you have any contracts requiring you to carry a certain level of commercial general liability insurance?

Richmond businesses also need to consider their budget and ability to pay out of pocket for a lawsuit.

At Bullfrog, we offer a few levels of coverage to suit the needs of your business:

  • $2 million
  • $3 million
  • $4 million
  • $5 million

If you’re really not sure how much protection your business needs, reach out to us via online chat, phone, or email. Our insurance experts can advise you.

What’s covered by commercial general liability insurance in Richmond?

Commercial general liability insurance is designed to reduce the financial burden of a common lawsuit for Richmond businesses. It protects you if you, your business, or an employee are sued for causing bodily injury or property damage to a third party. It covers legal expenses, including defense costs, judgement awards and settlements.

What isn’t covered by Richmond commercial general liability insurance?

Commercial general liability insurance is designed to protect Richmond businesses from a particular type of risk. It does not cover other types of liability or property damage. Here are a few things this insurance can’t cover:

  • Damage to your company’s property
  • Injury to employees
  • Injury or property damage caused by anything other than negligent acts, including operating a motor vehicle, intentional actions, and criminal acts

There are other kinds of insurance that can help protect your business from these risks. Contact us for more info!

Your policy documents will outline exactly what is and is not covered. If you have any questions, you can contact one of our insurance experts!

How much does commercial general liability insurance cost in Richmond?

Richmond commercial general liability insurance starts at $500 or $1000 each year, depending on the insurer. We offer commercial general liability insurance quotes from different Richmond insurance companies. This ensures you’re getting the most competitive rates for your coverage.

What affects commercial general liability insurance rates in Richmond?

Commercial general liability insurance rates are impacted by the following factors:

  • Your industry
  • Your business operations
  • Your annual revenue
  • The number of employees
  • Where your business is located
  • Where your business operates
  • Your insurance options
  • Your insurance history

Every insurer calculates their rates differently, which is why we offer commercial general liability insurance quotes from a few different companies.

Is my business really at risk for being sued?

Your company’s risk level depends on many factors. Commercial general liability insurance is recommended for all businesses as negligence lawsuits are one of the most common.

Your business can be sued for negligent acts causing bodily injury or property damage by:

  • A client
  • A vendor
  • Service providers
  • Visitors
  • Random passersby

Richmond commercial general liability insurance can help protect your business financially if this happens.

Claim Scenarios

Here are a few claim scenarios where commercial general liability insurance would help your business:

  • You’re a contractor working on a renovation project at a client’s house. An employee drops an open paint can, damaging your client’s flooring. The client sues you for causing property damage due to negligence.
  • Someone walking down the sidewalk outside of your company’s premises in Richmond slips, falls, and injures themselves. They sue you for negligence causing bodily injury, as they can no longer do their job until they recover.
  • A service person trips over a few boxes and injures himself. He or his company sue you for negligence.
  • You give an interview addressing issues in your industry. A competitor sues you for harming their reputation.

Get an online commercial general liability insurance quote for your Richmond business today! If you have any questions, don’t hesitate to reach out to us via online chat, email or phone – our insurance experts are happy to help!

How to get it

Simply fill out our short online questionnaire and we instantly provide you with multiple online insurance quotes based on your needs. All coverage options are standardized between insurance companies so all you have to do is compare insurance quotes based on price!

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Why our customers love Bullfrog

Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.

Sev Michaels

White Lilac INC. / Alberta

Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!

Stephen Hammond

Harassment Solutions INC / BC & AB

Due to a client’s request, and for the first time, I needed Commercial General Liability insurance, but I had no clue where to start. I Googled “CGL” and up came Bullfrog Insurance. Even though my needs were relatively small, due to the client needs, they had to be very specific. Every question I asked was answered by the Bullfrog insurance representative, Raman, who was very helpful. And then when I realized I needed more coverage, she didn’t flinch and let me know she’d get back to me right away. I got great coverage and all of it was done via email. Now I’ll know who to turn to for other small business insurance needs.