If you own or work at a small business, it’s important to know your liability insurance options and what they cover in the case of an accident or injury on your property. General liability insurance covers any claims filed against your business in the event of an accident or injury that wasn’t pre-existing, and it applies to both employees and customers alike.
Get a Free Consulation.
Types Of Liability Insurance.
Bodily injury liability: This coverage includes medical expenses for injuries sustained on your property and also extends into accidents that occur off-site as well. It will pay for any property damage as well as costs incurred from defending against claims made by injured people or their families.
Property Damage Liability: This coverage helps protect you in a situation where a covered loss prevents your business from operating in its normal location.
Personal And Advertising Injury: Plaintiffs can claim your advertising caused them mental, emotional, or physical injury. That’s where your business will need this insurance coverage. It will also help pay for copyright infringement claims.
Damage To Premises You Rent: If a property you rent is damaged by fire, explosion, etc., you’ll need this type of coverage to pay for repairs.
Reputational Harm: This coverage protects your business against lawsuits and defamation claims. It also helps cover your business against slander, malicious prosecution, violation of your privacy, and wrongful eviction.
We can work with you to determine what coverage best fits your needs. We’ll walk you through the process, every step of the way, to make sure your policy provides protection and peace of mind.