General Liability Insurance in Derby, VT
General liability insurance helps protect your business from the financial impact of common risks, like a customer injury, property damage you cause or claims that your advertising harmed another business.
Without this coverage, a single incident could disrupt operations or threaten your cash flow. For many Vermont businesses, it’s the foundation of a smart commercial insurance plan, often required by landlords, vendors and contracts.
What Does It Cover?
Policies vary, but in general, you can expect the following coverage:
- Bodily injury to others—Pays for medical costs, legal defense and settlements if someone is injured on your premises or due to your operations.
- Property damage to others—Covers repair or replacement costs when your business accidentally damages someone else’s property.
- Personal and advertising injury—Protects against the financial fallout of claims like libel, slander or copyright infringement stemming from your marketing.
- Legal defense and settlements—Helps cover attorney fees, court costs, and judgments, even when claims are groundless.
- Medical payments (no-fault)—Provides limited coverage for minor injuries to third parties without assigning fault, which can help resolve incidents quickly.
General liability insurance doesn’t cover injuries to your employees, professional errors or damage to your own property. Those risks often require workers’ compensation, professional liability (E&O), or commercial property coverage.
How Taylor-Moore Agency Helps
We understand local seasonal hazards, landlord requirements and contract expectations common to Vermont businesses.
Our experienced agents can match your operations with the right general liability insurance and complementary coverages (property, workers’ comp, professional liability) to reduce blind spots.
Contact us today to compare options and customize a policy that fits your risks and budget.