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If you are a small business owner then chances are insurance is something that you have thoroughly considered and researched and it is likely something that you take very seriously. However, despite the fact that most business owners understand the importance of insurance like Workers Comp, Property Insurance, Health Insurance for their employees, Auto Insurance for company vehicles, etc., there is a good chance that they may not understand the need for general liability insurance. However, general liability insurance can be of huge value to a company and can provide a very important and significant layer of coverage.

What Is General Liability Insurance?

General Liability Insurance is designed to protect your business from a range of general liabilities which may arise during the course of day-to-day operations. General Liability Insurance is specifically designed to protect your business from lawsuits that might arise during these operations. While some of these liabilities may be covered by other types of insurance there is a good chance that they will be excluded, have insufficient coverage, or fall through the cracks completely.

What Might General Liability Insurance Cover?

Personal Injury – General Liability Insurance might be used to cover lawsuits that happen as a result of an accident or injury that someone sustains while on your business’s property. This can be a very significant risk if your business is frequented often by the public.

Products – General Liability Insurance might also be used to provide protection if a customer or client sues your company as a result of a faulty or defective product.

Lawsuits Against Employers – If your business has quite a few employees then the chances of one of these employees suing you for various reasons could significantly increase. General Liability Insurance will help protect against your liability in such an event.

Other Damages – General Liability Insurance can also be used to help cover property damage in many cases.

How Does General Liability Insurance Work?

General Liability Insurance works like most other types of insurance in that you will pay a premium to the insurance companies and you are then protected with coverage up to the face value amount of the policy. For instance if your policy covers you for $250,000 then if there is a suit against you which adds up to less than this amount, including legal fees then you are fully covered. If on the other hand the suit plus legal fees exceeds $250,000 then you would be responsible for the additional amount. To provide even more protection you can get a higher amount of coverage, or add an umbrella policy.

Beaty Insurance is pleased to offer general liability coverage to its customers. We understand that you may have additional questions or concerns that you will want to discuss and rest assured that we are always happy to consult with you to help you best determine your need for general liability protection. Please contact us for more information.