One of the best things that you can do is go with general liability insurance for your business. This is going to help cover some of the costly claims that will come up from the normal operations of your business. If you don’t have this kind of coverage, you will have to pay all of these costs out of your own pocket. There are a few different things that we are able to get covered under the general liability insurance include:

# Third-party bodily injury: If you have a customer who gets hurt due to a slip and fall in the store, they are able to sue your business. Your insurance policy will be able to include coverage to help you pay for those medical bills and help that customer get back on their feet.

# Third-party property damage: if either you or an employee work on a house for the client, there is always the risk that some property damage is going to happen. Property damage liability coverage is going to help pay for the repair or some of the replacement costs if your business or anyone associated with it damages the belongings of someone else.

# Reputational harm: Someone is able to go after your business for things like slander or libel if something you or your employees say. If this does happen, then the general liability insurance will be there to cover some of the legal costs that may come with defending your business against these claims.

# Advertising injury: it is possible for your business to get sued for something like copyright infringement. It is possible, for example, for a photographer to sue you if you end up using their pictures in your ads and you did not ask for their permission before you did it.

Overall, this is a good type of insurance to work with because it provides your business with a lot of protection, and ensures that you do not have to come up with that money out of pocket when things happen.

When you are looking for small business insurance in Hawaii, it is important that you take the time to shop around and find a policy that makes the most sense for all of your needs. This can be an added expense and it can be tempting to avoid the insurance and not worry about it at all when you are trying to cut costs down as much as possible. But general liability is so important to protect you and your business. Contact a member of our team today to learn more about our coverage options and to find the policy that makes the most sense for you.