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Find General Liability Insurance in South Dakota

Compare General Liability Insurance in South Dakota
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How much does General Liability in South Dakota cost?

The cost of general liability insurance in South Dakota can vary based on several factors. The size of your business size, the industry, and the amount of coverage you need all affect general liability premiums in South Dakota. For example, the cost of a general liability policy for an advertising agency with 125 employees will be very different from a general liability policy for a real estate brokerage with 3 employees. Other considerations such as the type of labor performed, heavy equipment used, risky tasks or labor, and claims history also help determine the cost of general liability coverage in South Dakota. A licensed insurance advisor will be able to identify general liability discounts in South Dakota that your business may qualify for, along with discounts for bundling general liability in South Dakota.

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What is covered by General Liability insurance in South Dakota?

  • Bodily injury
  • Third-party property damage
  • Advertising injury (libel and slander)
  • Third-party medical expenses
  • Related defense costs
  • Legal fees and settlements

What is not covered by General Liability insurance in South Dakota?

  • Damage to business equipment and rented property
  • Employee on-the-job injuries
  • Malpractice and illegal activities
  • Employee discrimination lawsuits
  • Fraud or intentional injury
  • Failure to protect sensitive information

Who needs General Liability insurance in South Dakota?

General liability insurance is an important form of coverage for businesses operating within the state of South Dakota. General liability insurance will help cover medical expenses and legal fees resulting from bodily injuries, property damage, and litigious claims for which your business may be responsible. Most business types in South Dakota will benefit from a general liability policy because it provides coverage from lawsuits and litigious claims. A lawsuit is impossible to plan for, but general liability insurance can make it easier to handle. Save yourself from financial loss and legal headaches by having the pieces in place to protect yourself.

State of South Dakota General Liability insurance requirements

South Dakota has multiple recommendations concerning general liability insurance across a wide swath of industries operating within the state. General liability insurance is typically not required by law, however it is strongly recommended that businesses of every size and sector carry this form of coverage. The size of your business, services offered, the industry, and the number of employees will have the biggest role in determining general liability coverages and limits in South Dakota. Although general liability insurance is an optional form of coverage for most businesses, several factors may mandate general liability insurance in South Dakota. A licensed insurance advisor will be able to determine if your business falls within any of these parameters and if any exemptions are applicable.

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