General Liability Insurance

• Short-term policies are available for just the holiday season.
• Annual policies are available for businesses that operate year round.
  • Consider an annual policy if you offer any other light installation or electrical type of work over the year.
  • If you have independent contractor (1099) Christmas light installers, they can also purchase policies. Remember to have your independent contractors name you as an additional insured on the policies that they purchase.

What is General Liability Insurance?

General liability insurance protects your business from claims from a third party (meaning not an employee or officer) for accidental bodily injury and property damage. In most cases, your employees, officers, and partners can be covered under a policy. A classic example is a “slip and fall” type of claim, where a visitor may sue you for medical bills and time off work. Whether you have a home-based, office, or retail business, you should strongly consider buying general liability.  Remember that you also need to disclose any subcontracting costs when requesting a quote.