General Liability
Also known as Business Liability, General Liability refers to a type of insurance that provides coverage for a business or individual against claims involving bodily injury, property damage, and personal or advertising injury caused by their operations, products, or services. It helps protect against legal and financial responsibilities arising from accidents or negligence that occur on business premises or during business activities.
Coverages
Legal
If your business is found liable, the insurance can cover the cost of settlements or court-ordered judgments, up to the policy limits.
This usually manages the claims process, including investigating the incident and negotiating with the other party, which helps reduce the burden on you.
Medical
General Liability insurance can cover the medical expenses if someone (like a customer or visitor) gets injured on your business premises or due to your business operations.
This part of the policy pays for immediate medical costs—like ambulance rides, emergency room visits, or minor treatments.
Property
If your business accidentally damages someone else’s property (like breaking a client’s window while doing work at their house), general liability can pay for the repair or replacement.
Business Owner's Policy (BOP)
If you think you're on the right track, but require property insurance, medical coverage, aren't responsible for covering various items, or are just looking to cover your contracting work, inquire about our Business Owner's Policy below.