General Liability
General liability insurance is the cornerstone of your business’s protection against unforeseen liabilities. It provides financial security for claims arising from your business operations, including bodily injury, property damage, and personal and advertising injury.
Coverage Outline
Covers medical expenses and legal costs if someone is injured on your premises or as a result of your operations.
Pays for repairs or replacement if you accidentally damage someone else’s property.
Protects against claims like libel, slander, or copyright infringement.
Covers attorney fees, court costs, and settlements—even if a claim is groundless.
Covers small medical expenses for injuries sustained by non-employees on your premises, regardless of fault, helping to prevent lawsuits.
Pays for damages your business might cause to premises you rent or lease (e.g., from a fire you’re responsible for).
Protects your business if a product you sell or a service you complete causes injury or property damage after the work is done.
Important Features
An additional insured endorsement extends your policy’s liability protection to other individuals or organizations (e.g., landlords, contractors) that require proof of insurance as part of a contract. This shows your commitment to partnerships and compliance with contractual obligations.
A waiver of subrogation prevents your insurance company from seeking reimbursement from another party, even if they were responsible for the loss. This can be required by clients or partners to prevent litigation and promote smooth business relationships.
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