What is General Liability Insurance?

General Liability Insurance (GL) provides coverage for your business in case of accidents, injuries, or damages that occur as a result of your business operations. It shields your company from the financial consequences of bodily injury, property damage, and other liabilities that arise from the everyday running of your business. Whether it’s a customer slipping and falling at your premises or property damage resulting from your work, general liability ensures you’re protected from costly lawsuits.

Why do you need General Liability Insurance?

Every business, regardless of size or industry, faces the risk of liability claims. Whether you operate out of a physical office, provide services on-site, or even sell products, your business can be held accountable for accidents, injuries, or damages. Without general liability insurance, the financial burden of legal fees, settlements, or medical costs could be crippling.

Key reasons you need general liability insurance:

  1. Bodily Injury Protection: Covers medical expenses, legal costs, and settlements if someone gets injured at your business premises.
  2. Property Damage Coverage: Protects your business if you accidentally damage someone else’s property.
  3. Legal Defense Costs: Provides for the costs of defending your business against lawsuits, even if you’re not found liable.
  4. Product Liability Coverage: If your business manufactures, distributes, or sells products, GL insurance protects you from claims of bodily harm or property damage caused by your products.

What does General Liability Insurance cover?

General Liability Insurance typically includes:

  • Bodily Injury: Covers medical costs and legal fees when someone is injured on your business premises or due to your operations.
  • Property Damage: Protects against claims for damage to someone else’s property, whether on your premises or as a result of your business activities.
  • Personal and Advertising Injury: Covers claims of defamation, slander, or copyright infringement resulting from your business’s marketing or advertising activities.
  • Products and Completed Operations: Provides coverage if your products or completed work cause harm or damage after they’ve been sold or finished.

What types of businesses need General Liability Insurance?

  1. Retailers:
    Physical stores that interact with customers daily face risks of accidents like slips and falls.
  2. Contractors and Tradesmen:
    Whether working on-site or at a client’s location, contractors are exposed to potential property damage and bodily injury claims.
  3. Consultants and Service Providers:
    Even without a physical location, service businesses can face personal or advertising injury claims, such as defamation or copyright issues.
  4. Product Manufacturers and Distributors:
    If your business deals with products, there’s always a risk of harm or damage resulting from those products, making product liability coverage essential.

We’re here to answer your questions about General Liability Insurance:

Q: Do I need general liability insurance if my business doesn’t have a physical location?
A: Yes. Even businesses without a storefront or office face liability risks, such as damage caused while working on-site or legal claims related to your products and services.

Q: Does general liability insurance cover employee injuries?
A: No. Employee injuries are typically covered under workers’ compensation insurance, not general liability.

Q: Is general liability insurance required by law?
A: General liability insurance is not typically required by law, but some industries or clients may require you to have it before entering contracts or working on certain projects.

Why should you use us to secure General Liability Insurance?

At ArcLight Insurance, we tailor general liability policies to meet the unique needs of your business. Our experienced commercial agents work closely with you to assess the risks specific to your operations, ensuring you have the right coverage without paying for unnecessary extras. We represent top-rated carriers, providing you with competitive pricing and comprehensive protection, no matter the size or type of your business.

When you work with us, you’re not just getting insurance; you’re gaining a partner who understands your business and is committed to helping it thrive.

Safeguard your business today. Contact ArcLight Insurance for a free, no-obligation quote, and let our team tailor a general liability policy that meets your business’s specific needs.

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