Protect Your Business: General Liability Insurance Coverage
What Does General Liability Insurance Cover?
General liability insurance is a crucial safeguard for any business, helping to cover the often unexpected and costly claims that can arise during the course of normal operations. Whether you run a small local shop or a large company, accidents, property damage, and lawsuits are always a possibility. Without this essential coverage, your business could face significant financial strain, as you would be responsible for paying these claims out of pocket. This could include anything from medical expenses resulting from injuries on your premises to costly legal fees if someone sues your business for defamation or copyright infringement. General liability insurance ensures that your business is protected from these financial burdens, allowing you to focus on growth and success without the worry of unexpected claims.
General Liability Insurance
A general liability insurance policy can help cover claims that your business caused:
Third-party bodily injury: If a customer gets hurt after slipping and falling in your store, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.
Third-party property damage: If you or your employees work at a client's house, your business faces a risk of causing property damage. Property damage liability coverage can help pay for repair or replacement costs if your business damages someone else's belongings.
Reputational harm: Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.
Advertising injury: Your business can get sued for copyright infringement. For example, a
photographer can sue you if you use their photo in your ads without permission.
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