GENERAL LIABILITY

out how we can deliver you the comfort your business deserves.

WHAT IS GENERAL LIABILITY?

During the course of your business, there may be instances where accidents happen, and other people or their property is damaged by your company. General Liability is an opportunity for you to transfer the potential damages your company may have to pay out for those accidents that cause bodily injury or property damage to others. With the proper insurance in place, you can rest and continue business knowing that you have transferred your General Liability Risk to a carrier through an agency that you trust.

UNDERSTAND EXPOSURES

QUANTIFY EXPOSURES

EFFICIENTLY INSURE AGAINST

WHAT DOES GENERAL LIABILITY INSURE AGAINST?

General Liability insures against:

Ongoing and Completed Operations
- Protects against bodily injury and property damage of others while in the course of work, or even when you step away from a completed job.
  - ex: You build a deck for a family and a few years later it collapses and injures a family member. YOU COULD BE INSURED and protect your assets.
Product Liability
- Protects against bodily injury or property damage of others by your products.
  - ex: A product you manufactured somehow injures someone in the course of use, the PROPER INSURANCE CAN DEFEND YOU against civil lawsuits.
Personal & Advertising Injury
- Defends against civil suits from consumers or competitors
  - Advertising ex: Libel or Slander can be something INSURANCE CAN DEFEND YOU ON if properly purchased.
  - Personal ex: Someone steals a product from your store and you lock the doors so they can’t leave before the police arrive you can actually be sued for false imprisonment.
Damage to Rented Properties (Temporary)
- Any damage to another property you rent temporarily can be insured against.
  - ex: If you have a Christmas Party at another venue and you DAMAGE THIS VENUE the proper insurance could protect you.

“We can help you understand where you are exposed, how to mitigate those exposures, and how to plan for business continuity.”

COMMONLY ASKED QUESTIONS REGARDING GENERAL LIABILITY:

Is General Liability a legal requirement?
- No, however, you may have a contractual obligation to be insured when working with certain clients, vendors, or consumers.
Does General Liability insure against employees’ actions?
- If an employee was involved in an incident with property damage, or bodily injuries of others and the employee acted within the scope of their job duties, then the proper insurance could help protect you against civil lawsuits.
What is a proper limit for General Liability Insurance?
- Most General Liability policies start at $1 Million in coverage, though that may be sufficient for your business a higher limit may be required by your increased exposures or because of a contract you have with a client, vendor, or consumer.