General Liability
Business Property
Insurance
What is General liability insurance?
General Liability Insurance is a type of insurance policy that provides coverage to businesses, organizations, and individuals against claims of injury, property damage, and other liabilities. It is designed to protect businesses and individuals from financial losses that may result from lawsuits or other legal claims.
The coverage provided by General Liability Insurance can vary depending on the specific policy and the needs of the insured. Generally, it covers bodily injury, property damage, personal injury, and advertising injury. Bodily injury refers to physical harm caused to a person, while property damage refers to damage caused to property. Personal injury refers to non-physical harm such as slander or libel, while advertising injury refers to harm caused by false advertising.
States
California, Florida, Pennsylvania, Texas
We Provide Services to a Diverse Range of Industries
- Accounting & Finance
- Advertising $ Graphic Design
- Apartments & Buildings
- Appliance Repair
- Associations & Club
- Auto Services & Dealers
- Bakery
- Cleaning & Janutorila
- Construction & Contractor
- Consultant
- Convenience Stores
- Cosmetology
- Electrician
- Financial Advisor
- Flower Shop
- Food Service
- Handman
- Gas Station
- Healthcare
- Home Inspectors
- Hotel
- Informational Technology
- Insurance Agents
- Landlord
- Lawn Care & Landscaping
- Lawyers
- Liquor Store
- Medical Malpractice
- Manufacturer
- Office
- Personal Trainer
- Pet Service
- Photographer
- Printing & Copy
- Professional Installation
- Restaurant
- Retail
- Small Business
- Small Business
- Townhouse Association
- Transportation
- Laundry Business
- Real Estate
- Salons & Spas
- Small Business
- Townhouse Associations
- Transportation
What does General Liability Insurance NOT cover?
General Liability Insurance is an essential coverage that protects your business from a wide range of potential liabilities. However, it’s important to understand that there are certain things that it may not cover. For example, General Liability Insurance typically does not cover damages or injuries that are caused intentionally. It may also exclude certain types of property damage or personal injury claims.
Additionally, General Liability Insurance may not cover claims that are related to professional errors or omissions, which may require a separate form of coverage. It’s important to carefully review your policy to understand what is and is not covered, and to consider additional coverage options as needed to ensure that your business is fully protected.
What does General Liability Insurance cover?
Bodily Injury
A general liability policy is designed to protect individuals or businesses from financial losses due to third-party claims for bodily injury or property damage. The purpose of this type of policy is to provide coverage for injuries that occur on the insured property, as well as injuries that are caused by the insured's negligence. Bodily injury is defined as any physical injury, sickness, or disease that results from an accident, including death. Examples of bodily injury include broken bones, cuts, bruises, and burns. Injuries can occur in a variety of settings, such as on a construction site, in a retail store, or on a rental property. It's important to note that bodily injury claims can be costly, especially if they involve extensive medical treatment or result in long-term disability. As such, having a general liability policy in place can provide peace of mind and financial protection in the event of an accident or injury on your property.
Property Damage
When a business or individual purchases a general liability insurance policy, they are often seeking protection against a wide range of potential risks and losses. One area of concern that may be covered by such a policy is property damage. This term refers to any physical harm or destruction that occurs to a person's property as a result of an accident or other covered incident. Common examples of property damage could include a car accident that results in damage to another vehicle, or a fire that destroys a portion of a home or commercial building. While the specific details of coverage will vary depending on the policy and the individual situation, property damage is generally considered a key aspect of many general liability insurance policies. It can provide financial support and peace of mind to policyholders who may otherwise face significant expenses and legal challenges in the aftermath of an accident or other covered incident.
Personal Injury
Personal injury under a general liability policy refers to any harm or damage caused to a person, including their physical, emotional, and mental well-being. In more specific terms, it can be defined as an injury that results from a negligent act or omission by an individual or entity. This can include slip and fall accidents, car accidents, medical malpractice, and more. The purpose of a general liability policy is to protect against such personal injury claims, providing coverage for any damages that may result from these incidents. It's important to note that these policies can vary greatly depending on the individual or entity being insured, as well as the specific terms and conditions of the policy. Therefore, it's always a good idea to consult with an experienced insurance professional to determine the best coverage options for your unique needs.
Advertising Injury
When speaking about general liability policies, it is important to understand the term "advertising injury." Essentially, advertising injury refers to any harm or damage that comes as a result of advertising activities. This can include things like copyright infringement, slander, or libel. It is important for businesses to be aware of what is and isn't covered under their general liability policy, especially when it comes to advertising activities, as the consequences of a misunderstanding can be severe. In order to make sure that your business is protected against any potential advertising injury claims, it is strongly recommended that you speak with an experienced insurance agent who can help you navigate the complexities of general liability policies and ensure that you have the coverage you need to protect yourself and your business.
Who Needs General Liability Insurance?
General liability insurance is often included in many business insurance packages. It covers the risks that many small business owners face every day.
Although it’s not required by law, some clients and agencies may ask you to have a certificate of insurance before working with you.
Here are some examples of how different types of businesses are protected from liability risks with a general liability insurance policy:
If you want to rent commercial property, you might also be required to have coverage as part of your commercial lease.
Do You Need Commercial Auto Insurance?
It is important to consider whether you need a commercial auto insurance policy for the vehicles you use for business. This policy provides coverage for company cars, commercial trucks, or vans, and is the right way to protect your business from financial loss in case of an accident.
Without a commercial auto insurance policy, your personal insurance policy may not cover any damages incurred while driving the vehicle for business purposes. This could leave you vulnerable to significant financial loss.
A commercial auto insurance policy may also provide additional benefits, such as liability coverage for employees who drive the vehicle, coverage for rented vehicles used for business purposes, and protection for any equipment or tools stored in the vehicle.
Therefore, it is important to evaluate your business needs and assess the level of risk associated with the use of vehicles for business purposes. Obtaining a commercial auto insurance policy can provide peace of mind and protect your business from financial loss in case of an accident.
Small Business Insurance:
What Coverage Do You Need?
When purchasing insurance for your small business, the coverage you require will depend on its size and type. Below are some of the most common types of coverage.
General liability
General liability insurance provides protection for a business against claims of liability such as bodily injury and property damage to others.
Commercial property
Commercial property insurance covers the physical property of your small business, such as damage from fire or theft.
Workers compensation
Workers’ compensation insurance offers coverage for when an employee becomes ill or injured because of their job.
Commercial auto
Commercial auto insurance covers the vehicles you use for business purposes. A personal auto insurance policy generally does not extend to business use of a vehicle.
Errors & omissions
Errors & omissions (E&O) insurance will cover liability costs if a customer or client accuses you of making a mistake in your professional services.
Cyber liability
Cyber liability insurance can cover recovery costs if your computer system and data are hacked.