General Liability Insurance is vital when it comes to protecting you from various claims that can arise from your business operations. This is also commonly referred to as business liability or commercial general liability insurance. General liability insurance protects you and your business in the event injury or property damage occurs as a result of your business operations. If your business does any of the following, you will most likely need General Liability coverage:
- Have a store open to the public
- Interact face to face with clients
- Sell your products to customers
- Have access to your client’s property
- Sign contracts with other businesses
A General Liability policy typically covers property damage, bodily injury, personal injury (claims of slander and libel), and false or misleading advertising. This policy can protect you against claims brought against the business as a whole as well as claims brought against individuals on the company’s behalf.
Property Damage Coverage — This coverage protects you in the event you are responsible for damage to someone else’s property or their loss of the use of that property.
Bodily Injury Coverage — If an accident were to occur on your premises, bodily injury coverage will cover medical expenses associated with the claim. Keep in mind that your employees are not covered under General Liability insurance as they are covered under your worker’s compensation policy.
Personal and Advertising Injury Coverage — Your General Liability policy may also cover expenses arising from non-physical damages your business may have caused. This can include publishing libelous or slanderous information or violating someone’s privacy rights.
At the Boyett insurance Agency, we understand the impact a lawsuit has on a business of any size. We also understand that all business are different and there can be additional coverages you may need to protect your unique business. For example, if you distribute alcohol at company events, you may need Liquor Liability Coverage to protect you from lawsuits arising from a liquor-related accident. If you sign contracts with other businesses, there can be a clause in the contract that requires you to have General Liability insurance. Our team of experienced agents will work closely with you to evaluate the risks associated with your business operations and will make sure you are covered for anything that could occur during normal operations.
Contact us today at (352) 521-3030 to find out more about protecting your business with a General Liability Insurance policy and other related Business Insurance policies.
Boyett Insurance Agency specializes in the following insurance throughout Dade City, Tampa Bay, Zephyrhills, Webster, and Brooksville: