General Liability Insurance
Business Liability Insurance 

General liability insurance helps protect your assets by providing a first line of defense against a variety of claims for alleged negligence or wrongdoing.

By covering the cost of defending or settling these claims, a business general liability insurance policy can help you keep your business in business.

What does a typical General Liability Insurance policy cover?

Liability: Liability Insurance covers five basic categories of business liability:

• Bodily Injury — physical harm to a person at your place of business, or an injury caused by your employee at a client's site.
• Completed Operations/Products Liability — losses after your business has completed work for a customer (such as repairing appliances or installing plumbing), or from manufacturing and distributing products.
• Personal Injury — damage to the reputation or rights of a person or business due to slander, libel, copyright infringement, invasion or privacy, false arrest, wrongful eviction, etc.
• Advertising Injury — losses caused by your advertising (spoken or written); for example, an ad that trashes a competitor.
• Independent Contractors Liability Insurance — damage from the acts of an independent contractor hired by your business.

Medical Payments: Pays the medical expenses of a person injured on your premises (a customer, client, visitor, or even a trespasser) up to a stated amount, regardless of fault — as a goodwill gesture to prevent lawsuits.