What Is General Liability Insurance Coverage?

General liability insurance (GL), general liability business insurance or business liability insurance are many of the names for this coverage.  The general liability helps protect your business from liability claims alleging from:

  • Slander
  • Property damage
  • Bodily injury
  • Libel

Why is General Liability Insurance need it?

General liability insurance as a small business owner, general liability insurance helps your business from expensive liability claims. It will help you with the following situations:

  • Advertising your business
  • Working on or with another’s property
  • You or your employees representing a client
  • Meeting with clients face to face
  • Using third-party locations for business activities

General liability insurance is an important coverage when you have clients who need a certificate of insurance and there is no sign contract yet.

General Liability Business Insurance Covers?

Commercial general liability insurance helps pay legal costs if an incident at your business leads to a lawsuit and for medical expenses.

General liability business insurance can help cover costs related to these types of claims:

Advertising injuries like copyright infringement from your business’s ads.

Property or bodily injury damage caused by your business.

Reputational harm because of slander, violation of the right of privacy, wrongful eviction, malicious prosecution, and more.

Medical costs in case a customer hurt himself or herself while visiting your business.

Damage to rented property caused by a lightning strike, explosion or fire.

Common Claims for Small Businesses under the general liability.

Claims range from slip and fall, and burglary are the most common claims.  Four out of ten small business owners experience a property or general liability claim in the next 10 years.

Commercial coverage for small business includes:

  • Commercial Property Insurance
  • Business Income and Extra Expenses (BIEE)

Who can benefit from this coverage:

  • Wholesalers and Distributors
  • Service Business
  • Pet Care Services
  • Contractors
  • Garages
  • Manufacturers
  • Personal Care Services
  • Printers and Publishers
  • Religious and Cultural Organizations
  • Restaurants
  • Retail
  • Commercial Real Estate

Do you need to have access to your account 24/7?

For your convenience we now offer CSR24 – CSR24 is a 24/7 Online Access to Your Account.

CSR24 offers you secure access to your insurance information online 24/7 from a computer or mobile device. These services are available to you at no additional cost.

This new program provides you a variety of added services, including:

  • View and reprint automobile ID cards
  • View critical policy information
  • Request policy changes online
  • Access your agent’s direct contact information
  • Review and download account documents
  • Obtain a certificate of insurance (commercial accounts only)
  • Maintain and manage an up-to-date list of certificate holders (commercial accounts only)
  • Report claims online with the option to upload pictures and related claims documentation
  • Receive documented confirmation of all activity conducted online

Access the information and service you need, when you need it, no matter where you are.

Sign-up for CSR24 online now.