General Liability Insurance
What is General Liability Insurance?
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability can pay for losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Coverages
Bodily Injury and Property Damage LiabilityCoverage provided for the amount that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” caused by an “occurrence” subject to policy limits and exclusions.
Medical PaymentsCoverage provided for medical expenses for a “bodily injury” caused by an accident on the premises or because of your operations subject to policy limits and exclusions.
Products and Completed Operations LiabilityCoverage provided for the amount that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” caused by an “occurrence” related to the insured Products or Completed Operations subject to policy limits and exclusions.
Damage to Premises Rented to YouCoverage provided for the amount the insured becomes legally obligated to pay due to fire damage to an insured rented premises caused by negligence.
Personal and Advertising Injury LiabilityCoverage provided for the amount the insured becomes legally obligated to pay as damages because of “personal and advertising injury” subject to policy limits and exclusions.
Optional CoveragesCoverages can be added for more protection or may be required by contract such as Additional Insureds, Wavier of Subrogation, Primary & Non-contributory, Liquor Liability, and many more.