General Liability Insurance
General Liability Insurance Quote Forms
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General Liability Insurance Information
As a business owner, you must protect your operations by obtaining general liability insurance. General liability insurance provides a financial safety net for various unpredictable incidents. You may never need to use it, but you will be thankful to have it if you do.
What Is General Liability Insurance?
General liability insurance is a type of insurance coverage that protects businesses against a range of risks and liabilities. It typically helps cover claims related to third-party bodily injury, property damage, personal injury (such as defamation or slander) and advertising injury. General liability insurance may help cover legal expenses, settlement costs and judgments arising from lawsuits or claims against the insured party.
This insurance protects against unforeseen events on the insured’s premises or resulting from their business operations. It is a fundamental form of insurance for businesses, as it offers financial security and peace of mind by mitigating the potential financial burdens associated with accidents, injuries or property damage that could lead to legal actions.
What Does General Liability Insurance Cover?
General liability insurance may include the following three coverages:
- Third-party bodily injury coverage may help pay for medical bills if someone is hurt in your place of business or if your business is otherwise responsible for their bodily injury.
- Third-party property damage coverage may help pay for expenses if your business is responsible for damaging someone else’s property.
- Personal and advertising injury coverage may help cover legal costs if you are sued for harming a third party’s reputation or making false claims.
It’s important to note that general liability insurance doesn’t cover every liability claim. Your insurance provider may recommend additional liability coverage options (e.g., professional liability insurance) based on your business operations.
How Much Is General Liability Insurance?
The cost of general liability insurance varies from business to business based on the following factors:
Contact P&C Insurance Services
- The type of business
- The claims history of the business
- The size of the business
to discuss your business insurance needs. We can help ensure you have the right coverage for your organization.