General Liability Insurance
What is General Liability Insurance?
It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
Your insurance agent can create a customized policy for you to include different types and amounts of coverage.
The following coverage is often included in a general liability line:
Protection of your business’ property from:
Claims due to:
o Bodily injury
o Property Damage
What does a typical General Liability Insurance policy cover?
o Liability: Liability Insurance covers five basic categories of business liability:
o Bodily Injury — physical harm to a person at your place of business, or an injury caused by your employee at a client’s site.
o Completed Operations/Products Liability — losses after your business has completed work for a customer (such as repairing appliances or installing plumbing), or from manufacturing and distributing products.
o Personal Injury — damage to the reputation or rights of a person or business due to slander, libel, copyright infringement, invasion of privacy, false arrest, wrongful eviction, etc.
o Advertising Injury — losses caused by your advertising (spoken or written); for example, an ad that trashes a competitor.
o Independent Contractors Liability Insurance — damage from the acts of an independent contractor hired by your business.
You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today.
R. David Bulen Insurance
506 W. Graham Ave. Lake Elsinore, CA 92530
Suite 105 Commercial & Health & Benefits Insurance
Suite 102 Personal Lines Insurance
Mailing address is PO Box 115 Lake Elsinore, CA 92531
Business Hours: 8:00am-4:00pm M-F