Commercial GENERAL LIABILITY Insurance

Smart Coverage for Small Businesses — Backed by Real Expertise

At Sound Risk Management, we specialize in protecting small businesses. From contractors and retailers to office professionals and service providers, we know how to tailor insurance programs that work — not just on paper, but in real life.

Our team understands the risks that small business owners face, and we don’t just quote what’s easy. We shop multiple top-rated carriers to find the right fit for your needs — including Business Owner’s Policies (BOPs) that combine General Liability, Property Insurance, and a host of other valuable protections in one streamlined, affordable package.

What is Commercial General Liability (CGL)?

General Liability Insurance is the foundation of business protection. It covers third-party claims involving:

Bodily injury – A customer slips and falls at your location
Property damage – You or your employees accidentally damage someone else’s property
Legal defense – If you're sued, your policy can cover attorney fees, settlements, and court costs
Personal & advertising injury – Such as slander, libel, or copyright infringement

Without it, one unexpected claim could be financially devastating.

Business Owner’s Policies (BOPs) — More Than Just Liability

Most small businesses can benefit from a BOP, which includes General Liability plus key additional coverages like:

Commercial Property Insurance – Covers your building, office space, equipment, and inventory
Business Interruption Coverage – Replaces income lost due to a covered event
Inland Marine – Protects tools, equipment, and mobile property
Cyber Liability Add-Ons – Essential for businesses that store customer data
Employee Dishonesty, Forgery, Water Backup, Ordinance & Law, and more

Many of these “extras” are thrown in by certain carriers at no additional cost — and we know where to find them.

Why Work With Sound Risk Management?

Because we’re not just insurance brokers — we’re small business specialists. We’ve helped hundreds of businesses find better coverage, uncover hidden risks, and secure the peace of mind they need to grow confidently.

We shop the market for you – Access to dozens of carriers nationwide
We know your industry – Tailored coverage for contractors, landlords, retailers, professionals, and more
We explain everything – No jargon. Just honest advice.
We stay with you – Annual reviews, policy management, and support when you need it

Get a free quote from a team that knows commercial insurance inside and out — and cares about your business like it’s our own.