General Liability Insurance

General Liability Insurance, also known as Commercial General Liability Insurance, provides coverage for claims arising from third-party bodily injury, property damage, or advertising injury that a business may cause in the course of its operations. It covers legal expenses, such as settlements and judgments, as well as the cost of defending a lawsuit. Specifically, General Liability Insurance covers:

1. Bodily Injury: Covers the medical expenses, lost wages, and other expenses associated with injuries sustained by someone other than an employee of the business.
2. Property Damage: Covers the cost to repair or replace property damaged by the business or its employees.
3. Personal and Advertising Injury: Covers claims of slander, libel, or copyright infringement, among other similar claims.
4. Products and Completed Operations: Covers claims arising from products sold or work completed by the business.
5. Medical Payments: Covers medical expenses incurred by someone other than an employee of the business who is injured on the business premises or as a result of the business’s operations.

Overall, General Liability Insurance provides financial protection against a broad range of potential liabilities that can arise from a business’s day-to-day operations.