Protection That Covers the Everyday Risks
What General Liability Insurance Can Do for You
This policy forms the foundation of your business coverage—and we’ll help you get it right from day one.
Standard policies typically include:
- Third-party bodily injury claims (e.g. slip-and-fall accidents)
- Damage to someone else’s property caused by your business
- Legal defense and settlement costs
- Personal and advertising injury (e.g. libel, copyright infringement)
- Required coverage for many leases, contracts, and jobsites
What You Can Expect from W.J. Farmer
Straightforward Coverage. No Drama.
We’ll help you understand your exposures, avoid gaps, and meet contract requirements without over-insuring or overspending.
You’ll get:
- Flexible limits based on your industry and client contracts
- Affordable standalone or bundled policy options
- Fast certificates of insurance (COIs)
- Support if you ever face a claim or legal issue
- Local help navigating NY-specific liability requirements
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Additional Protection for Higher-Risk Situations
What Pairs Well With General Liability
Some businesses need more than just general liability. We’ll help you layer in coverage where it counts most.