General Liability Insurance in Chicago, IL
Running a business in Illinois comes with many responsibilities, with protecting your finances in case of unexpected risks being the most important. At 1st American Insurance Agency, we believe that general liability insurance should be part of a business’s risk management plan, and we’re here to help organizations look for policies that meet their needs and local requirements.
What Is It? 
General liability insurance can cover relevant costs if your business is held responsible for third-party injuries, property damage, personal injuries or advertising injuries. This can apply to incidents that happened on your premises, at a client’s property or because of your business activities.
Why Is It Important for Businesses?
Operating without a general liability insurance policy may leave your business vulnerable to substantial losses if you’re faced with a lawsuit or liability claim. Even if it’s not legally required in Illinois, some landlords may require proof of coverage as part of a leasing agreement.
Scenarios where this coverage may help include:
- A loose light fixture falls on a customer’s head, causing injuries.
- An employee accidentally damages a client’s glass door while performing construction work at the client’s home.
- A singer files a copyright infringement claim against your business, alleging that you used her song in a promotional video without permission.
- A former client sues your company for defamation due to a social media post.
How Our Team Supports Your Business
At 1st American Insurance Agency, we work closely with business owners to evaluate their coverage needs and recommend policies that align with their circumstances and growth. Contact our team today to request a personalized quote.