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:
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:
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.
Personal Auto Insurance
Personal Umbrella Insurance