In business, you can’t predict every outcome. There will always be unexpected bumps in the road. For example, a customer could slip at your establishment and sustain an injury. It can be very daunting to deal with those third-party claims without general liability insurance. General liability coverage provides protection against third-party claims of bodily injury, property damage, or personal and advertising injury.

Bodily Injury

This type of claim against your business can be costly, due to medical bills from visiting the doctor and hospital stays. For example, a customer sustains a serious fall down the stairs and break their leg. General liability insurance can help cover the cost of a covered bodily injury claim and may help alleviate the financial strain on your business.

Property Damage

This type of claim is against a third-party’s property and the damage it incurred. For example, you are using power tools at your business and your tools accidentally damage the property next door General liability insurance can help cover the cost of a covered property claim.

Personal and Advertising Injury

This type of claim is directed towards the way you advertise your business. For example, a competing business claims that your advertising materials feature a similar design. General liability can help cover the cost of a covered advertising claim and you don’t need to foot the bill.

The best business move you can make is to have your bases covered with general liability insurance from the beginning. According to the Small Business Administration, 36%–53% of small businesses are involved in at least one lawsuit and 90% of all businesses are engaged in a lawsuit at any given time. The chances of it happening are pretty high.

Remember that legal fees add up quickly and can be very crippling to any business—big or small. A general liability insurance policy can help cover legal expenses if a third-party were to take you court.

You can find more information about general liability insurance below.

Who can benefit from this type of coverage?

  • Product manufacturers
  • Importers
  • Distributors
  • Wholesalers
  • Stores that sell products to consumers
  • And more!

Can I tailor my coverage?

Our in-house underwriters and our experience in the industry allows us to create custom policies with quality coverage in a matter of days. Whether your business is just starting out or you have been in the industry for years, we are able to tailor a policy that works for you.

Get insurance today!

Thank you for considering us for your general liability insurance needs. We work hard to provide competitive premiums for our policyholders and look forward to helping you protect your business through insurance coverage.

Please don’t hesitate to contact us with any additional questions, we are always happy to help.

All policies have conditions, limitations, and exclusions; please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.