coverage for accidents,
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General liability insurance
What is general liability insurance?
General liability coverage, or business liability coverage, can help protect your small business from unexpected costs in a number of scenarios, such as after someone is injured at your workplace or a client sues you for damages. Here's a look at some of the ways liability insurance can help cover unexpected expenses if your business is found at fault for an accident or injury.
What's typically covered with general liability insurance?
Below are a few situations where general liability coverage can help protect your business from unexpected claims.
Injury lawsuit
You are sued because somebody was injured after slipping on a recently mopped floor at your business.
Wrongful termination lawsuit
A former employee sues you for wrongful termination.
Customer data loss or theft
Customers' confidential personal and financial data that you maintain is lost or stolen.
Client lawsuit
A client follows your advice, but it does not turn out the way they expected, and they sue you.
For example, you're a real estate agent and list a home for sale at the incorrect price. A buyer makes an offer but sues you after the error is identified and the price is increased.
Employees use their own automobiles
You ask your employee to use their personal car to run a business errand on a busy day, and while they are in transit, they get into an accident.
Damage to a customer's health
A customer has a reaction to the chemicals that were used to provide them with services.
General liability coverage basics
It can benefit all businesses
It is recommended that all businesses, regardless of industry or size, carry a general liability policy. General liability can help protect businesses against unexpected, costly claims.
Professional mistakes are not covered
Professional mistakes are not covered under general liability coverage. You would need to have an errors & omissions policy for this type of protection.
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