Protect Yourself from the Unexpected

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

What Coverages Are Available in a Commercial General Liability Policy?

Commercial General Liability Coverages

Personal Injury or Advertising Injury

Products and Completed Operations Injury

Medical Payments

Fire Damage Limit

Liquor Liability

Commercial General Liability Coverages:

General Liability insurance provides coverage for bodily injury or property damage for which the insured is legally responsible due to negligence or as required by contract.  The policy also provides coverage for liability arising from personal injury and advertising injury, medical expense, accidents occurring on the premises or away from the premises and products or completed operations.  In addition to these limits, the policy pays defense costs.

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Personal Injury or Advertising Injury:

 Personal injury refers to injury other than bodily injury, and can include false arrest, malicious prosecution, invasion of privacy and damage to reputation.  Advertising injury refers to harm caused by an advertisement, such as libel or slander.

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Products and Completed Operations Injury:

 Product coverage is provided for damages arising from products manufactured, sold or distributed by the insured.  Completed operations coverage is provided for damages that occur after the insured’s operations have been completed or an item has been built, installed or distributed for its intended use.

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Medical Payments: 

Pays medical expenses resulting from bodily injury caused by an accident on the premise owned or rented by the insured or when caused by the insured’s operations.  Payment is made without regard to insured’s liability.

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Fire Damage Limit:

  Provides coverage for fire damage to rented premises caused by the insured’s negligence.

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Liquor Liability

Liquor liability insurance provides coverage for bodily injury or property damage for which an insured may be held liable by causing or contributing to the intoxication of any person, furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol and violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.  This coverage only applies if the insured is involved in the manufacture, sale or distribution of alcoholic beverages, furnishes alcoholic beverages for a charge, or furnishes alcoholic beverages for no charge, if such activity requires a license.

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