General Liability Insurance
Accidents happen. And, despite your best efforts, so does negligence.
You can't afford to be without it.
General Liability(GL) insurance can help cover bodily injury or property damage claims.
The truth is, liability insurance is an essential part of an insurance plan. You can get GLI as a standalone policy or bundle it with other key liability coverages like commercial umbrella, employment practices liability (EPLI), professional liability and cyber liability.
You may also need general liability insurance before you can work with other businesses. Some companies may ask you to provide proof of insurance.
What does General Liability Insurance cover?
General liability insurance helps cover costly claims that may come in the course of doing business.
A general liability insurance policy can help cover claims that your business caused:
Third-party bodily injury:
If a customer slips and falls, injuring themselves at your business, they can sue. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.
Third-party property damage:
If you or your employees work at a client’s premises, your business faces a risk of causing property damage. Property damage liability coverage can help cover repair or replacement costs if your business damages someone else’s belongings.
Harm to reputation:
Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.
Your business can get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.