Certificate of Liability Insurance
General liability insurance is important for your business. It helps cover property damage, and any bodily injury claims you may face. It can also help cover personal and advertising claims caused by you or one of your employees.
As you consider your liability insurance, remember that general liability insurance is the same as commercial liability insurance. That said, there are different coverages for small businesses. These coverages include:
- Bodily injury or property damage. This coverage helps cover claims resulting from bodily injury. For instance, say someone gets injured at your business. Your general liability insurance will help cover the costs associated. This insurance also helps cover any damage your business does to someone else’s property.
- Reputational harm. This coverage helps cover claims resulting from malicious prosecution, libel, slander, wrongful eviction, or violations of the right to privacy.
- Advertising errors. This coverage helps cover claims resulting from false advertising or copyright infringement in your advertisements.
- Medical payments. This coverage helps cover medical costs if someone is injured at your business.
- Damage to rented property. This coverage helps protect your rental property from damage resulting from fire, lightning, or explosions.
With a General Liability Insurance Certificate from The Hartford, you will have proof of your general liability insurance. For instance, sometimes clients require certain insurance coverages before they work with you. In this case, you’d be able to show them your certificate directly.
What Does a Certificate of General Liability Insurance Cost?
A Certificate of General Liability Insurance from The Hartford will cost you nothing. To obtain your certificate all you have to do is ask for one by calling a representative or going online. In fact, here at The Hartford we process your online request in just hours.
Typically, we will provide you with a certificate of insurance automatically when you sign up for a general liability insurance policy.
When Do I Need a Certificate of Liability Insurance?
There are a number of reasons why a certificate may be requested. These include:
- A client requires it.
- Your landlord requires it.
- You’ve applied for professional licenses that require it.
Your general liability insurance certificate is important because it contains essential details of your policy. These details include the type, amount, and expiration date of the insurance coverage you have. These certificates allow you to easily share proof of your insurance with others who require it.
Who Counts as a Certificate Holder for General Liability Insurance?
Anyone who is named or insured on your policy can hold a General Liability Certificate from The Hartford.
Why Should I Add My Client to My General Liability Insurance Certificate?
Adding your client to your certificate is a common request for professional services. Clients often request this because it allows them to be notified if the policy is canceled before its expiration date.
When you add your client to your policy, keep in mind that they will not have any legal rights to your policy. A Certificate of General Liability Insurance from The Hartford only establishes that the insurance policy exists.
How Quickly Can I Get a Certificate of Insurance?
At The Hartford, we know that no two policies are the same. This is why we will help you explore different general liability insurance options. As you work with us, you’ll see how quickly you can obtain proof of insurance for your new policy. Just follow these three easy steps:
- Work with a representative to get the general liability insurance that’s right for your business.
- Request a certificate of general liability insurance either through your agent or online.
- Wait to receive your certificate. In most cases, we can process requests online in under four hours.
Get a General Liability Insurance Certificate from The Hartford
By purchasing your general liability insurance from The Hartford, you will automatically receive a certificate of proof. In addition to this, you will receive other supporting documents such as benefits and limitations of your policy.