General Liability Insurance

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General Liability Insurance

General Liability insurance is a fundamental safeguard for businesses of all sizes. It protects your company from financial losses due to third-party claims of bodily injury, property damage, and personal and advertising injury, ensuring your business can operate with confidence and security.

What is General Liability Insurance?

General Liability insurance, also known as Commercial General Liability (CGL), is a broad form of insurance coverage that protects businesses from a wide range of potential liabilities. It covers claims of bodily injury or property damage that may occur on your business premises or as a result of your business operations, products, or services.

Key aspects of General Liability insurance typically include:
Bodily Injury and Property Damage Liability: Covers injuries to non-employees and damage to others' property.
Personal and Advertising Injury: Protects against claims of libel, slander, copyright infringement, and more.
Medical Payments: Covers medical expenses for injuries sustained by non-employees on your business premises.
Legal Defense Costs: Pays for your legal representation if your business is sued for a covered claim.
Why Your Business Needs General Liability Insurance
Legal Protection: Helps safeguard your business against lawsuits and legal claims.
Financial Security: Helps cover costs associated with third-party injuries or property damage.
Contractual Requirements: Many clients and landlords require businesses to have GL insurance.
Credibility: Demonstrates to clients and partners that your business is responsible and prepared.
Peace of Mind: Allows you to focus on running your business without constant worry about potential liabilities.
Basic information

Frequently asked questions

Almost every business can benefit from General Liability insurance. It's particularly crucial for businesses that interact with customers, work on client premises, or have a physical location that customers or vendors visit.

General Liability covers third-party bodily injury and property damage claims, while Professional Liability (also known as Errors and Omissions insurance) covers claims related to professional mistakes or negligence in your services.

No, General Liability does not cover employee injuries. For that, you need Workers' Compensation insurance, which is a separate policy.

General Liability typically includes product liability coverage, which protects against claims of bodily injury or property damage caused by products your business sells or manufactures. However, for businesses with higher product liability risks, a separate product liability policy might be advisable.

The amount of coverage you need depends on various factors, including your business type, size, location, and risk exposure. It's best to consult with an insurance professional to determine the appropriate coverage limits for your specific business.

Standard General Liability policies typically do not cover cyber risks or data breaches. For these types of risks, you would need a separate Cyber Liability insurance policy.

Yes, many insurers offer package policies that combine General Liability with other types of business insurance. For example, a Business Owner's Policy (BOP) typically includes General Liability along with property insurance and business interruption coverage.

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