GENERAL LIABILITY INSURANCE

KEEP CLIENTS FROM FALLING FLAT WITH GENERAL LIABILITY INSURANCE

Your clients have enough to worry about besides uncontrollable threats that prevent success. General Liability insurance is one way to help prepare for and protect your clients businesses from the biggest risks they will face. Liability claims are among the most expensive general liability insurance claims. Without appropriate general liability coverage, one lawsuit or unexpected event can force your clients to close their doors.

WHAT DOES GENERAL LIABILITY INSURANCE COVER?


A Commercial General Liability policy protects your clients businesses from financial loss should they be responsible for property damage or personal and advertising injury caused by their services, business operations or their employees. It covers non-professional negligent acts. Professional Liability is completely separate coverage and more information can be found here.

BODILY INJURY LIABILITY

This portion of the General Liability policy protects your client and their employees against losses from the legal liability for bodily injury due to non-professional acts. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. In some cases mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm. The amount of compensation your client receives depends upon the limit set on their general liability coverage, as well as their deductible.

PROPERTY DAMAGE LIABILITY

This coverage will pay the costs to repair property damage caused by your client or their employee for non-professional negligent acts. The amount of coverage they should receive is based on the limits you help them set. It is a good idea to work closely with your clients to assess their risks as well as the potential costs of injury, property damage and legal fees.

For the best protection, consider buying a commercial umbrella liability policy.

PERSONAL AND ADVERTISING INJURY

Personal and advertising injury liability protects an insured against liability arising out of certain offenses, such as:

  • Libel
  • Slander
  • False arrest
  • Infringing on another’s copyright
  • Malicious prosecution
  • Use of another’s advertising idea
  • Wrongful eviction, entry or invasion of privacy

MEDICAL PAYMENTS

This coverage pays for costs related to injuries sustained by a non-employee caused by an accident that takes place on the your clients premises or when exposed to the their business operations.