How does General Liability Insurance work?

It’s reasonable to assume that you’re not in the business of purposely harming customers or destroying their property, but accidents happen. No matter how careful you are, some things just can’t be prevented.

Unfortunately, you can still be held liable for damages and injuries sustained following the unexpected.

General Liability Insurance shifts that liability to your insurer and away from you and your business. Your GL policy pays for the costs borne by the injured party — such as repairs or medical expenses — and the defense of your business in the event of litigation.

In essence, General Liability Insurance can keep you in business in situations when you’d be otherwise forced to close and liquidate.

What does General Liability Insurance cover?

General Liability Insurance protects you and your business from being held financially responsible for damage caused to another person’s property, body, or reputation.

General Liability Insurance covers the cost of:

* Property damage
* Medical expenses caused by bodily injury, including death
* Reputational harm
* Legal fees
* Judgments and settlements incurred as a result of litigation