General Liability Insurance

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Whatever size and type of business you have, having the right kind of insurance coverage can protect your assets against financial losses when you have to pay for damages or obligations for which you are deemed responsible. For these purposes, look into getting General Liability Business Insurance.

There are various factors that insurance carriers will consider to determine the coverage amount for each liability premise stipulated on your policy. Coverage amount differs for each insurance company, so carefully look over the policy before dotting the I’s and crossing the T’s. It is also recommended that you have quotes from several insurance carriers to widen your options.

What Is General Liability Business Insurance?

In a nutshell, this type of business insurance covers your liabilities for injury or damages suffered by an entity for which you may be directly held responsible. These include clients or customers, and visitors. The injuries may have been incurred while the party was on your property, or damages may be the direct result of the actions of one of your employees. In any case, having liability coverage ensures that the damages will be paid for by your insurance provider. And the amount to be paid will be according to what is stipulated in your policy.

There are three major premises that general liability covers. These are:

  • Bodily Injury
  • Damage to Property
  • Personal Injury

Bodily Injury covers injuries incurred by a person who is not your employee. This could be a client or a guest visiting your office. This also covers physical injuries caused by you or someone under your employment.

Damage to Property covers property that you are responsible for like a rented property for your business. This may also cover client’s properties, such as a laptop, which were damaged due to an accident that you or one of your employees caused.

Personal Injury differs from bodily injury in that the damage is not physical. This can be psychological or emotional damage caused by you or one of your employees. This can cover Post-Traumatic Stress Disorder (PTSD) resulting from malicious actions by you or an employee. This may cover libel, slander, copyright infringement, invasion of privacy, invasion of property, and false arrest.

You may also include Advertising Injury and Legal Defense and Judgments in your General Liability Business Insurance coverage.