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Commercial Insurance 101: General Liability

for Bradenton, Sarasota, Lakewood Ranch and Beyond

Oct 20, 2014

Business Insurance, General Liability Insurance

The right insurance policy for your small business doesn’t only protect your current assets—it also protects your future profitability. General liability insurance ensures that you can focus on your business, even when you’re faced with a claim of damage, injury or negligence.

General Liability Insurance Definition

Essentially, general liability guards your company’s assets, covering the costs associated with the general risks of doing business. This could include injuries that occur on your property, damages or injuries as a result of you or your employees’ actions, and claims of slander and libel.

General liability insurance can also pay for various legal fees related to lawsuits and settlements (lawyer’s fees, compensatory damages, medical bills, etc.).

What Does General Liability Insurance Cover?

Sometimes general liability insurance is referred to as “slip and fall,” because it covers injuries that occur at your store or business property. But it covers much more than accidents involving bodily injury. Here are a few examples:

  • Copyright infringement
  • Products/completed operations
  • Personal and advertising injury
  • When you or an employee causes damage to someone’s property
  • Damage to premises rented to you

General Liability: Do I Really Need It?

Yes, every business, big and small, needs general liability insurance. In fact, you will find that often times you will be required to carry a certain limit. Workplace safety and best practices can help reduce your risks of accidents happening; but it’s impossible to prepare against every single risk. Even an accident where you’re not at fault can turn into a financial nightmare.

At Bradenton Insurance we are dedicated to getting your business the insurance coverage you need to be successful, and we work hard to find the discounts and credits to make your coverage as affordable as possible.

Learn more about general liability insurance for your business or request a free quote today. 

Bradenton Insurance

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