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General Liability Claim

General Liability

A Commercial General Liability policy protects your business from financial loss should you be liable for property damage, or personal and advertising injury caused by your services, business operation or your employees. It covers non-professional negligent acts.

General liability insurance is a type of insurance that protects businesses and individuals from financial losses associated with lawsuits or claims of bodily injury or property damage. It covers expenses such as legal fees, settlements or judgments, and medical costs related to third-party injuries or property damage caused by the policyholder or their employees.

General liability insurance typically covers claims related to:

  1. Bodily injury: If someone is injured on your property or as a result of your business operations, general liability insurance can cover their medical expenses and other costs.
  2. Property damage: If your business or employees cause damage to someone else’s property, general liability insurance can cover the costs of repair or replacement.
  3. Advertising injury: If your business is sued for libel, slander, or copyright infringement, general liability insurance can provide coverage for legal fees and damages.
  4. Completed operations: If a product or service provided by your business causes harm or damage after it has been completed, general liability insurance can provide coverage for any resulting claims.

General liability insurance is essential for businesses of all sizes and types, as it can help protect against financial losses that could result from unexpected events.

What is an example of a general liability claim?

If a customer goes into your business and slips and falls in your business after you just mopped the floor and said customer breaks their ankle which requires two surgeries to recover then suing your company for medical costs. General Liability Insurance could help you pay their bodily injury claim.

Coinsurance? &nbInsurable Interest?

At a loss for words? Insurance terminology can be confusing. Our Glossary of Terms will help you sort things out. Know the difference between Collision Insurance and Liability Insurance, and so much more. Click below to find all the answers.

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