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General Liability Insurance

What is Commercial General Liability Insurance?

General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below.

Why do I need General Liability Insurance?

We understand the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else’s property. This section explains what our business general liability insurance offers. You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

•Interact with clients face to face – If you visit a client’s place of work, or clients visit yours
•Have access to a client’s equipment – For example, IT professionals should be covered against potential claims with IT business liability insurance
•Represent your client’s business
•Use third-party locations for any business related activities – For example, architects should make sure that they’re covered with architects business liability insurance
•Are required to have general liability insurance before entering into a contract

What does General Liability Insurance cover?

What is covered?
•Bodily Injury
•Damage to third party property
•Personal injury
•Advertising injury
•Electronic data liability
•Medical expenses
•Defense costs
•Actions of your full-time employees and temporary staff
•Supplemental payments

Commercial General Liability Programs include:
•Adult Day Care
•Alarm Installers
•Amusement Rides
•Building Demolition
•Clubs – Civic, Service or Social
•Commercial Property Owners
•Condominium and Homeowners’ Association
•Convenience Stores
•Counseling Centers
•Day Care Facilities
•Flea Markets
•General Contractors
•Halfway Houses
•Home Health Care
•Hunting Clubs
•Lessor’s Risk
•Liquor Liability
•Mercantile Classes
•Mobile Home Parks
•Outfitters & Guides
•Pawn Shops
•Refuse, Garbage Collection
•Rental Dwelling Program
•Security and Patrol Agents
•Shopping Centers
•Special Events
•Swim & Racquet Clubs