Your business needs general liability insurance to help defend from the potentially adverse costs of liability claims that may arise from the everyday, common business situations. While it is natural to make mistakes, some unintentional accidents can lead to injuries and possible devastating lawsuits. Fortunately, general liability can provide coverage for injury and damage caused by the business’ operations, products or injury that occurs on the business’ premises.

Coverages

• Bodily Injury or Property damage
  Helps cover medical expenses in the event of a sustained injury on your premises or damage caused to someone else’s property due to your or your employees’ negligence.
• Damage to rental property
  Covers property damage you rent for business in the case of a fire, lightning or an explosion.
• Reputational harm
  Assists with claims of malicious prosecution, libel, slander, wrongful eviction, violation of the rights of privacy and more.
• Advertising Errors
  Assists with claims of false advertisement or copyright infringement that occurs with your business advertisement.
• Products and completed operations
  Helps protect the business in the event of claims caused by products sold, distributed, produced or handled.

Other Optional Coverages

• Employment practices liability
  Assists in claims associated with sexual harassment, wrongful termination and discrimination.
• Professional liability/Errors and omissions
  Protects from legal obligations that may arise from professional errors, negligent acts or omissions during business operations including documentation and financial reporting.
• Data compromise
  Helps assist in recovery costs if confidential personal and financial data is lost or stolen.

Know What You Are Buying

There are two forms of commercial liability insurance to be aware of:

• Claims-made policy
  Covers claims that are reported during the active policy period starting from the effective date to the cancellation of the policy.
• Occurrence policy
  Covers claims that occurs during a coverage period regardless when the claim is reported, including after cancellation.

Call us today to protect your business and your employees!