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Lindenwood Agency Commercial Personal Insurance St. Charles St. Peters Missouri

1112A First Capitol Drive

St Charles, MO 63301

(636) 946-6133

Serving the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

  • Best Insurance Agent St. Charles

General Liability Insurance

We specialize in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Send us a message or give us a call, we can handle all of your insurance needs!

General Liability Insurance

General liability insurance is a vital piece of protection for any business owner. General liability insurance is designed to protect the business from lawsuits in the event a customer or third party is injured or property is damaged due to the negligence of the business. There are several components of general liability insurance. Let's take a look at them below.

 

Important Features

• Bodily Injury and Property Damage: One of the main roles of General Liability insurance is to provide protection from bodily injury and physical damage lawsuits that are caused by the negligence of the business. This coverage is vast in what it covers. This can be damage caused to a customer’s property by an employee of the business. General Liability Insurance will also pay out for injuries sustained on the business’s property or because the direct result of negligence on behalf of the business. This coverage is not designed to pay for injuries sustained by employees of the business, as that will fall under workers compensation. 

 

• Legal Costs and Ramifications: A General Liability policy will not only pay for the damages to a claimant in a law suit, but will also pay for the court costs that the business may incur over the time of the loss. These costs could be lawyer fees, documentation fees, or any other costs that may arise in a court case. 

 

• Personal Injury: A general liability policy is not just limited to physical damage; it will also pay out for any personal damage that your business may cause. This could be a personal injury caused by a product that your business advertised or a false or misleading advertisement. Also, this coverage can protect the business in the event it copies or uses someone else’s intellectual property.  

Schedule a consultation with Lindenwood Agency in St. Charles

Lindenwood Agency specializes in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Once we understand your insurance needs we will use every resource to secure the proper coverage at the most competitive prices available.

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If you have any questions or want to set up an appointment, contact us or give us a call- 636-946-6133!

Types of Insurance We Offer

  • Business Owner's Insurance

  • Business Property Insurance

  • General Liability Insurance

  • Business Income Insurance

  • Workers Compensation Insurance

  • Commercial Umbrella Insurance

  • Commercial Building Insurance

  • Business Inland Marine Insurance

  • Business Personal Property Insurance

  • Business Surety & Fidelity Bonds

  • ...and more!

 

  • Homeowners Insurance

  • Auto/Car Insurance

  • Personal Umbrella Insurance

  • Renter's Insurance

  • Condo Insurance

  • Landlord Insurance

  • Personal Articles/Possessions

  • Personal Inland Marine Insurance

  • RV/Boat/Trailer Insurance

  • Flood Insurance

  • ...and more!

 

We've Served the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

WHAT OUR CLIENTS THINK

Just wanted to let you know how Happy we are with the service you provide us. The Work Comp especially, we call for Certificate of Insurance and you guys get it done quick and efficiently. We have sent a lot of installers to you over the years and it seems that they are all happy with your service. Just wanted to let you know that I appreciate it. These days it’s hard to get people to do what they say they will.  Thanks!! 

 John Dickherber - Wholesale Flooring USA

Lindenwood Agency is one of the best insurance companies we have dealt with in our day to day business. Melodie Smith is our go to girl and is quick to respond and help out with any questions or concerns we may have. She is always willing to help with our last minute requests and walk our borrowers through the insurance process. We love the way Lindenwood’s certificates are designed, making it easy for us as a lending company to understand and follow. Melodie is always on top of the renewals on all of our files which helps us out tremendously. 10/10 would recommend working with Melodie Smith at Lindenwood Agency.

 Sarah Maxon, Longhorn III Investments, LLC