subject: General Liability Insurance An Assurance Against Risk [print this page] A business needs to purchase general liability insurance to protect from products, advertising injury, and property damage claims. Regardless of whether you are a small or large business, you need to purchase adequate coverage to make sure that your business does not suffer financial harm, thanks to any such lawsuit.
General liability insurance is an assurance against risk, providing a business protection from injury and advertising claims. Damage to business property is covered as well unless you not purchased the coverage. The insurance pays for the costs of defending or settlement of claims.
Four basic claim categories covered by general liability insurance are bodily injury, property damage, personal injury and advertising injury.
Bodily Injury It would cover medical expenses and other damages if a customer or other party suffers injury caused directly or indirectly by your business.
Property Damage It provides the coverage you need if your business causes damage to a persons property.
Personal Injury It compensates for claims that do not fall under bodily injury like lost wages, libel, mental anguish, etc.
Advertising Injury The claim involves slander, libel or copyright infringement, but deals with another business rather an individual.
Getting adequate general liability insurance is essential for protecting your business. Even if your business is small and it is unlikely to cause any damage, you should still be covered. You cannot be always in control of every situation. You cannot be immune to accidents and they are likely to happen when you expect them the least.
Even a minor mistake by one of your employees may result in a lawsuit, including bogus claims. A seemingly routine situation may culminate into an expensive claim. Suppose you are in commercial cleaning business that only steps in when all employees of the client company have left the place. One of your staff members could accidentally spill a cleaning liquid on equipment, thus damaging it. You will be liable to pay for damages then. Or the client may blow up the incident claiming a lawsuit demanding several times the damages they may have actually incurred.
If you are a company that is more likely for larger amounts, buying umbrella liability insurance will be a good option. It covers payments which exceed your other business insurance coverage policy limits. It provides additional coverage for liabilities which are not in the ambit of a standard liability insurance policy.
The amount of liability insurance you purchase depends on your specific requirements. If you are a small enterprise in a trade which is least likely to attract such a lawsuit, you can opt for a typical 1 million dollar policy. However, a business that is in the production or supply of hazardous goods could be sued for huge claims, so it suits them to get insurance cover of adequate amount.
Look for an insurance broker which provides you full value for your money with tailored general liability California coverage. They would not just provide you with instant online quotes, but also help you to choose between the policies of various insurers. They would use their expertise to come up with the right package for you.
by: Ali Movahedi
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