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.