General Liability Insurance

Running a business comes with risks. In today’s world, lawsuits against businesses have become more common, and even one claim could be financially devastating. General Liability Insurance helps protect your business by covering costs if you are sued or held legally responsible for injuries or damages.

What Does General Liability Insurance Cover? 

General Liability Insurance pays for losses from real or alleged:

• Bodily Injury: medical costs, loss of services, or restitution in the event of injury or death.

• Property Damage: repair or replacement if your business causes damage to someone else’s property.

• Personal Injury: such as libel, slander, or advertising injury.

• Products-Completed Operations: protection if your product or service causes harm after the work is completed.

• Contractual Liability: coverage for liability you assume under certain contracts.

Additional Protection May Include:

• Medical payments for injuries on your business premises

• Legal defense costs (even if the lawsuit is groundless)

• Damage caused by fire, lightning, explosion, or water

• Liability related to liquor service (Liquor Liability)

• Non-owned vehicles (aircraft, watercraft, etc.)

• Borrowed equipment used for business operations

• Reasonable use of force for protecting your business

Why Your Business Needs It

Without coverage, the costs of a single lawsuit could threaten your entire business. General Liability Insurance:

• Helps protect against unexpected lawsuits.

• Covers legal defense costs.

• Provides peace of mind so you can focus on running your business.