General Liability Insurance
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General Liability Insurance Information
Business owners should take proper precautions to protect their operations by obtaining a general liability insurance policy. General liability insurance can protect a business from unpredictable circumstances that can have a significant financial impact.
What Is General Liability Insurance?
General liability insurance is a policy that helps cover a business if a third party claims that the company caused them bodily injury or property damage. It may also cover claims of third-party personal injury or advertising injury. Without general liability insurance, a business may have to pay for potentially expensive claims out of pocket.
What Does General Liability Insurance Cover?
General liability insurance typically includes the following four coverages:
- Third-party bodily injury coverage can cover the medical expenses, legal fees and potential settlements associated with a third-party injury in your place of business or as a result of your business’s operations.
- Third-party property damage coverage may help pay for expenses if you or your employee damages someone else’s property.
- Product liability coverage can help pay for costs associated with selling a product that injures a customer or causes damage to their property.
- Personal and advertising injury coverage may help cover defense costs if you are sued for harming a third party’s reputation or making false claims.
Why Do You Need General Liability Insurance?
General liability insurance is essential for every business because it can protect against costly claims. For example, if someone slips and falls on your business’s property, they may pursue a lawsuit against you to cover their medical bills. Your general liability coverage may help cover this type of bodily injury claim. This example is one of the countless situations where general liability coverage may help your business.
To discuss your general liability insurance needs, contact Joe Bill Mettauer Insurance. We can answer any questions and help assess insurance coverage options for your business.
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