General Liability
General liability insurance, often known as commercial general liability insurance or business liability insurance, protects your company from personal injury and property damage claims. Such claims can arise in the course of typical corporate activities. You'd have to pay for damages out of pocket if you didn't have insurance.
General liability insurance helps pay for:
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Bodily injury or property damage that your business causes.​
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Malicious prosecution, defamation, libel, wrongful eviction, invasion of privacy, and other forms of reputational injury.
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Injuries from advertising, such as copyright infringement from your company's ads.
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Medical expenses if a customer or client is injured while visiting your establishment.
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Damage to rented property caused by a covered loss such as fire, lightning or explosion.
Many business owners wonder why they need general liability?
As a small business owner, this insurance protects you from costly liability claims. It can assist you if a claim arises in the course of normal business operations, such as:
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You or your staff are acting as a client's representative.
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Face-to-face meetings with clients
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Working on or with another person’s property
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Using third-party locations to do business
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Advertising your business
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If you have clients who request it, you may also need this coverage. Before they sign a contract with your company, many clients want to make sure you have this coverage. A certificate of insurance can be used to demonstrate that you have general liability insurance.
