General Liability Insurance in Ohio for Small Business

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General Liability Core Protection

General liability insurance helps cover third party injuries, property damage, and certain personal or advertising injury claims. Kyler-Moore Insurance writes GL for shops in Blue Ash, contractors in West Chester, and offices across Cincinnati.

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What GL Insurance Covers

Third Party Bodily Injury

A customer trips in your storefront near Kenwood Towne Centre and needs medical care. GL can respond.

Third Party Property Damage

Your crew accidentally damages a client's entry door during an install. GL pays to repair or replace.

Includes claims like libel, slander, or copyright infringement tied to your business activities.

Legal Defense and Settlements

Pays covered defense costs even if a claim is unfounded, up to policy limits.

Ohio Requirements and Common Scenarios

GL is not required by Ohio law for most businesses, yet many leases and contracts require it. One accident can be costly, so coverage is critical even for home based companies.

Insurance Done Differently

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Coverage Limits and Options

Many small businesses select 1 million per occurrence and 2 million aggregate. Higher limits are available or you can add an umbrella for extra capacity.

Why Choose Kyler-Moore for GL?

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Fast Certificates of Insurance

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Contractors, restaurants, and consultants get endorsements that match real exposures.

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Competitive Rates for Startups

Low minimum premium options help new businesses get protected from day one.

Frequently Asked Questions About Medicare

Ask us anything!
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General Liability FAQs

  • How much does general liability cost?

    Pricing varies by class, size, and claims history. We compare multiple carriers for value.

  • Does GL cover employee injuries?

    No. That falls under workers compensation. We can help you secure that policy as well.

  • What is the difference between general liability and professional liability?

    GL handles bodily injury, property damage, and some personal injury. Professional liability covers errors in professional services.

  • Can I package GL with other coverages?

    Yes. A Business Owners Policy includes GL and property in one policy.

Take the First Step Today

Bundle & Save

If you also need property or commercial auto, we will bundle for better pricing.