general liability

A lawsuit against your business can occur for almost any reason: negligence, personal injury, libel, slander, errors, omissions, faulty products, advertising misprints, etc


The General Liability Policy protects your business from these types of claims.  It pays your:

Legal fees,

  • court judgments and/or
  •  negotiated settlements.
  • It pays these expenses if they are the result of:
  • property damage,
  •  bodily injury and/or
  •  personal and advertising injury

The general liability policy is referred to as a "Third Party" coverage because it pays the expenses and the actual court award that arises out of the insured's legal obligation to a third party.  The cause of the claim is an accident that occurs on or arises from:


  •  premises you own, rent or use
  •  the conduct of your operations away from premises you own, rent or use
  •  the use of or exposure to products you manufacture or distribute
  •  the use of or exposure to work you  have completed away from premises you own, rent or use
  •  work done on your behalf by independent contractors and/or employees.


 All businesses need general liability insurance.  However, it is important to note that general liability policy does not include coverage for professional liability claims.

The general liability policy responds to liability claims from allegations where the legal standard of care is based on the reasonable prudent Man standard.  If the liability allegation arises out a professional standard of care., the general liability policy will most likely not cover the claim.


Are you confident your current insurance program includes Equipment Breakdown?  Give us a call to analyze your current coverage.  We can show you options that expand coverage without increasing cost.



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