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General Liability Insurance

What Is It?

Owning a business is risky, and many things can cause you to worry. One of the things you need to worry about is protecting your business from lawsuits that result from normal business operations. Some of these claims include personal injury, property damage, advertising injury, and Copyright infringement. The best way to protect your business is to have general liability insurance.

Many small business owners experience insurable events each year that qualifies under general liability. Yet, many small business owners are underinsured or have no insurance. The cost of a liability claim can be expensive as lawsuits are generally in the millions. If you do not have the right amount of coverage, then you will have to pay the liability claim out of your pocket.

Your business is unique, and you have put a lot of your hard-earned money into your business. There are several types of small businesses that are suited for general liability coverage.

All businesses benefit from general liability insurance, it is pretty much required for everyone. Talk to an insurance broker to see what type of insurance they recommend for your business.

How Does it Work?

A general liability insurance policy provides you with financial coverage if someone files a claim against your business. Coverages can include:

  • Coverage limits (each occurrence/aggregate)
  • Products completed
  • Personal advertising and injury
  • Damage to property rented to you
  • Medical

You can also get an umbrella liability policy if you feel you need more insurance. An umbrella liability policy provides you with additional protection if a claim is more than what your general liability policy can cover. Talk to your insurance broker about your general liability insurance options.