What do a retail store, manufacturer, contractor, restaurant and a medical office have in common? They all need General Liability Insurance to protect their business from claims of bodily injury and property damage.
General Liability Insurance Coverage Definition
General liability is one of the most common types of business insurance and for good reason. It provides coverage for claims of bodily injury property damage that arise from negligence in your operations, your work or your product. General liability insurance can also protect your business from claims involving defamation, slander, libel, copyright infringement, and trademark violations. In addition, a general liability policy will usually provide coverage for damage to your leased location caused by fire and other perils. Your policy may also include medical payments coverage to address small injury claims, regardless of fault.
What Does Commercial General Liability Insurance Cover?
General liability offers broad coverage and is considered the foundation of insurance for most businesses. Consider it the starting point for your business insurance program. However, it does not cover every circumstance for which your company might be held liable or sued. For example, claims related to pollution, cyber liability, and employment practices are not afforded coverage by general liability insurance, as are claims related to the use of automobiles. Professional liability or malpractice is never covered by general liability and must be purchased separately. General liability also does not provide coverage for damage to property of others in your care, custody or control. Business such as auto repair, dry cleaners, and contractors should purchase additional coverage to address that exposure.
Learn More About Small Business General Liability
Consider reviewing our blog postings regarding commercial general liability insurance:
- Commercial General Liability Insurance: Coverage & Exclusions
- Is General Liability Insurance Enough?
- General Liability vs. Professional Liability
- The Damage to Property Conundrum
- General Liability: The Exclusions
Get a quote for General Liability Insurance
Our knowledgeable agents are here to develop and affordable insurance plan for your business. Call us today at (702) 638-0022 or complete the form on this page to begin the process of obtaining general liability coverage for your business.
Safeguard Insurance is located in Las Vegas, NV. We are licensed to quote general liability insurance in Nevada, Arizona, Utah, California, Oregon, Washington, Idaho, New Mexico, Texas, and Florida.