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Commercial General Liability

Critical Assurance for the Protection of Your Business.

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Hart Insurance Agency, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Hart Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Hart Insurance Agency include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it’s important to talk with a specialist at Hart Insurance Agency about the best options for your business.

Our Locations

Grants Pass Office

Grants Pass Office

321 SE I Street
Grants Pass, OR 97526
Main office: 541-479-5521
Fax: 541-474-1890
Medford Office

Medford Office

1123 Royal Ave.
Medford, OR 97504
Main office: 541-779-4232
Fax: 541-772-3963

Our Providers


I would like to share with you the exceptional service I got from Heidi Lloyd over the last few months. She worked with me to get my car repaired after I damaged it. It was a horrible experience and I was not looking forward to dealing with insurance issues/claims and then a potential increase in premium, etc. Heidi made it all work smoothly and simply without a hitch. I could not have expected a better outcome. Following that ordeal, she answered all my questions about my auto policy increase and pursued getting my policy reevaluated which resulted in premium savings! She not only did an outstanding job in terms of efficiency, responsiveness and outcome, she has great customer service skills and was very personable. Your office has handled my insurance needs for decades and it’s always been super, but Heidi made it even better.

They go above and beyond for me here! Been with them for many years, and during that time they have saved my bacon dozens of times. Sometimes I goof on paperwork or payments, sometimes the insurance companies Hart sources from will make a mistake, and they always step up to help me. Working on an audit of premiums right now (3rd party audit company made a mistake), and Hart got with me immediately with all the steps I needed to take to resolve it. Wouldn't want to work with anyone else!

N. Rogers
Teri and the Hart Insurance team are always responsive and efficient! Whatever our insurance needs are, whether business or personal, Hart has been able to help in a quick and friendly way

H. Jack
I have used Hart insurance for many, many years. Part of that time I was employed as a public employee and they always handled our group insurance. After retiring, I have always used Hart In’s. to advise me with my Medicare options. They are professional, organized and eager to help.

L. Kellenbeck
Great company, fabulous people. I used Hart to help with personal and business insurance for many years. Then I switched for a slightly better price. Poor decision. I now have personal and business policies managed with Hart once again - and i won't switch! Terry Faulkner helps with the commercial; Sue Klumph deals with our personal home and vehicle insurance. I highly recommend Hart Insurance. You will not be disappointed.

J. Lefeber
Our business has been working with Hart Insurance for over a decade and they have been amazing to work with. They handle all of our business insurance. From year to year, they help us to reevaluate our needs and costs for insurance and represent a variety of carriers so I know that we are always getting the most competitive rates. I have one point of contact there (Misty W) and she takes care of all of our needs so that we can continue to do what we do best....landscaping. Using Hart Insurance is like pushing the "Easy" button. We highly recommend them!

Xai G.
I spoke with Deanie yesterday for my son who was looking for car insurance. She went above and beyond helping him. Great people with great integrity. #1 in my book!

D. Murphy
Very attentive and work well for both my business and personal insurance needs. Best agents I've had in a long time!

L. Mystics