General Liability Insurance
General liability is the foundation of any commercial insurance program. It responds when a customer is injured on your premises, when your work causes property damage, or when a claim of advertising injury or defamation is brought against your business. Nearly every landlord, lender, and project owner will require proof of GL before before allowing you to operate, and for good reason. Without it, a single lawsuit can wipe out years of business equity.
When our team reviews a GL program, we look at your per-occurrence and aggregate limits, whether completed operations coverage extends past the policy period, and how additional insured requirements are being handled across your contracts. We also check for endorsements that could quietly exclude key exposures. Request a program review and we’ll make sure your coverage actually matches what your business does.
What’s typically covered
General liability is an essential part of your risk management strategy and protects you form a wide range of lawsuits that often include but are not limited to:
- Property damage to an occupied space that is caused by your employees
- Physical injuries that happen to your employees, vendors, visitors and customers on your premises
- Advertising injury claims, frivolous or not, which is damage to a third-party due to false advertising or slander
General Liability insurance is a necessary form of protection for businesses of all sizes. It helps protect against financial losses resulting from accidents, injuries, and other unexpected events that could occur on the business’s premises or as a result of its operations.
Contact ZRM Brokerage to get started today.
