Commercial General Liability

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If you have a personal auto and umbrella liability policy, there is an exclusion for business-related liability.

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.

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General Liability pays losses arising from real but also claim/alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

  • 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 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