General Liability Insurance

What is General Liability Insurance?

General liability insurance helps protect you and your business from claims of third-party bodily injury or property damage resulting from your products, services, or operations.
 

Why do I Need General Liability Insurance?

Should a claim occur, without general liability insurance, the financial responsibility to cover the cost of third-party medical bills, damaged materials, and other expenses may fall solely on you. General liability insurance provides financial protection in the event of an injury or property damage you are found legally responsible for. Without this type of coverage, you would pay out of pocket, and this could add up quick.
 

Who Should Have General Liability Insurance?

General liability insurance is vital for most business owners. You may want to consider general liability coverage if you:

• Have a store, office, or building where customers come on your premises
• Work closely or provide services to customers 
• Handle or work near a client’s property
• Have a contracting operation 
• Machine or manufacture parts or products
• Sell and distribute products
• Are required by contract or needing to provide a certificate of insurance
   

What’s Covered with General Liability Insurance?

Here are some examples of incidents that would be covered when you buy general liability insurance: 

• Third-party bodily injury
• Third-party property damage
• Premise liability
• Products liability
• Reputational harm
• Personal and advertising injuries
• Damage to property rented to you 

*The specific coverage provided will depend on your policy
 

Learn more about other types of insurance products we offer:

• Commercial Property Insurance
• Commercial Umbrella Insurance
• Surety Bonds and Services
• Errors and Omissions Insurance
• Environmental Liability Insurance

One incident doesn’t have to be the end of everything you’ve worked so hard to build. To learn more about our general liability insurance, reach out to us today, or give us a call at 1-800-533-0472. 

“The information herein is intended to provide general information and recommendations for risk prevention only. It should not be considered legal advice or an offer of insurance. The recommendations herein may help reduce the risk of loss, but there is no guarantee that they will result in reduced losses, claims, premiums, experience modification factors or general insurance costs. Coverage will be determined solely by the terms of your policy, if approved for issue. Consult with a qualified professional to discuss questions specific to your circumstances.”