Protect Your Business Property Inside and Out
Your business property is more than just buildings—it’s inventory, equipment, and everything that keeps you running. At The Catawba River Insurance Group, we help protect businesses across Hickory, Charlotte, Lenoir, Blowing Rock, and throughout North and South Carolina with commercial property insurance that’s tailored to your risks, your assets, and your goals.
What General Liability Insurance Covers
General liability policies are designed to protect your business from the most common risks associated with day-to-day operations. It’s essential coverage for almost every business.
- Bodily injury claims (if a customer is injured at your business)
- Property damage caused to third parties
- Legal defense and court costs
- Personal and advertising injury (like libel, slander, or copyright infringement)
Businesses That Need General Liability Insurance
If you interact with clients, customers, vendors, or the general public, you need general liability protection. It's often required for contracts, leases, and licenses.
- Retail shops, restaurants, and service businesses
- Contractors, trades, and construction companies
- Professional offices (consultants, advisors, real estate agents)
- Manufacturers and wholesalers
Smart Business Protection Across Hickory, Charlotte, Blowing Rock, and Beyond
Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond
FAQs
Is general liability insurance required by law?
It’s not legally required in most cases—but many landlords, clients, and vendors will require it before doing business with you.
How much general liability coverage does my business need?
Coverage amounts vary, but $1 million per occurrence is a common starting point. We’ll help you assess your risk and customize limits.
Does general liability insurance cover employee injuries?
No. Employee injuries are covered under Workers’ Compensation Insurance.
Can I bundle general liability with other coverages?
Yes! Many small businesses benefit from a Business Owner’s Policy (BOP), which bundles general liability with property coverage at a discount.