Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.   Four out of 10 small business owners are likely to experience a property or general liability claim in the next 10 years.  Claims range from unexpected incidents, like a burglary, to unforeseen accidents, such as a customer getting injured after slipping and falling.

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General Liability Covers a Broad Range of Protection

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• Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.

• Property Damage coverage for the physical damage to property of others or the loss of use of that property.

• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided.

• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.

• Contractual Liability extends to any liability you may assume by entering into a variety of contracts.

• Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.