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What is General Liability Insurance?

If you own or manage a business, no matter the size or nature of the business there are always uncertainties. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc

Why do you need General Liability Insurance?

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable. General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.There are many different plans and options when choosing a General Liability plan, and our experienced agents at Insuredbiz can assist you in finding the right plan at the right budget

Why is it important?

If you own or manage a business, no matter the size or nature of the business there are always uncertainties. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources.

What are a few aspect that General Liability Insurance covers:

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property.
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided.
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts.
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.

Insuredbiz offers free, comparative quotes on General liability insurance from multiple insurance carriers so you can get the best possible rate.
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