General Liability Insurance

The first step in your risk management strategy.

Every American Business Needs General Liability

America is a litigious society, and businesses must protect themselves from the financial losses that can arise from lawsuits due to claims of accidents or negligence. General Liability insurance is a type of coverage that helps businesses guard against costs from third-party claims of bodily injury, property damage, and personal and advertising injury. Just how commercial property insurance will protect your facilities in the event of total loss, general liability protects you in the same way against lawsuits.

General Liability insurance can provide protection for a variety of situations, including slips and falls, damage caused by products or services, and legal costs associated with defending a lawsuit. Put simply: without it, your business is exposed.

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.

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