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:

• Fire
  
• Theft
  
• Vandalism
  Claims due to:
  
• Bodily injury
  
• Property Damage
  
• Negligence
  What does a typical General Liability Insurance policy cover?
  
• Liability: Liability Insurance covers five basic categories of business liability:
  
• Bodily Injury — physical harm to a person at your place of business, or an injury caused by your employee at a client’s site.
  
• 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.
  
• 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.
  
• Advertising Injury — losses caused by your advertising (spoken or written); for example, an ad that trashes a competitor.
  
• 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.