General liability and businessowners policies

General Liability Insurance (GLI), also known as business liability insurance, provides essential coverage for businesses.

Let’s break it down:

What It Covers:

Bodily Injury Claims: If someone gets hurt on your business premises (for example, a customer slips and falls), GLI helps cover their medical expenses.

Property Damage Claims: If your business accidentally damages someone else’s property (while working at a client’s house, for instance), GLI can pay for repair or replacement costs.

Reputational Harm: If your business faces a lawsuit due to libel or slander (something you or your employees said), GLI covers legal defense costs.

Advertising Injury: If your business is sued for copyright infringement (using someone’s photo in ads without permission), GLI can help with legal expenses.

What It Doesn’t Cover:

Work-Related Injuries to Employees: For employee injuries or illnesses, workers’ compensation insurance steps in.

Damage to Your Own Business Property: Commercial property insurance handles this.

Mistakes in Professional Services: Professional liability insurance is designed for such situations.

Additional Types of Liability Insurance:

Commercial Umbrella Insurance: Provides extra limits on top of existing liability policies for costly claims.

Employment Practices Liability Insurance: Covers legal defense costs and settlements if an employee sues for harassment, discrimination, or wrongful termination.

How can you start your liability policy: Call us fill out our "Get A Quote" form and one of our agents will be reach out right away.