Protects your business by covering injury to others that you or your employees are legally responsible for. For example, if someone slips on a wet floor in your building and breaks their arm.
What is General Liability?
Often referred to as business liability, general liability protects businesses from general claims that arise out of normal day to day operations. You may be legally responsible if a person is hurt or their property damaged while at your business or because of something you or your employees did.
Covers damage to other’s property caused by you or your employees. For example, if you accidently knock over a customer’s computer while performing service at their home. Coverage does not apply to your property, for that you will need business property insurance.
Also known as Personal Injury, this provides coverage if you or your employees are sued for libel and slander.
May provide coverage when your business is sued for using someone else’s ideas or content in your advertising, such as copyright infringement.
Provides coverage for damage caused by your work that occurs after you complete the job. For example, if you built a brick wall and it falls over damaging a vehicle.
Damage to Premises Rented to You
Provides coverage in the event your rented property is damaged by your business, for example if your employee accidentally starts a fire and damages your rented retail space.
Keep in Mind
If you run a business then General Liability is likely one of the coverages that is a must have. Depending on your needs you can either get a stand alone policy or a package like a Business Owner’s Policy (BOP). We can help you determine which makes the most sense.
General Liability on it’s own does not insure your property, automobiles or your liability for professional services (such as accounting, legal, engineering etc.). With that in mind, the following policies are typically written alongside General Liability:
- Business Property – Covers your buildings and contents
- Business Auto – Coverage for vehicles your business owns
- Workers Compensation – If you have employees, workers compensation is required by law.
- Professional Liability – Covers mistakes in professional services you provide