Service Details

General Liability insurance for construction and businesses is a comprehensive policy that safeguards against financial losses resulting from third-party claims of bodily injury or property damage occurring on the premises or as a result of business operations. It provides coverage for legal defense costs, settlements, and judgments associated with lawsuits brought against the business by third parties.

This insurance is vital for protecting businesses against unforeseen accidents, such as slips and falls, property damage caused by employees, or advertising injuries like defamation or copyright infringement. General Liability insurance also typically includes coverage for product liability, covering damages caused by products sold or manufactured by the business. Overall, it serves as a crucial risk management tool for businesses, offering financial protection and peace of mind in the event of unexpected liabilities.

Frequently Asked Question

Q: Do I need General Liability insurance for my business?

 

A: Yes, most businesses, regardless of size or industry, can benefit from General Liability insurance. It helps protect against the financial consequences of accidents, lawsuits, and other liabilities that may arise during business operations.

Q: How much General Liability coverage do I need?

 

A: The amount of coverage needed depends on factors such as the size and nature of your business, the industry you operate in, and the potential risks you face. It’s essential to evaluate your specific needs with an insurance professional to determine the appropriate coverage limits.

Q: Does General Liability insurance cover employee injuries?

 

A: No, General Liability insurance typically does not cover injuries to employees. For employee injuries, businesses usually need Workers’ Compensation insurance, which is a separate type of coverage.

Service Included

• Premises Liability: Coverage for injuries or property damage on your business premises.
• Products Liability: Coverage for injuries or damage caused by products your business sells or distributes.
• Completed Operations Coverage: Protection for injuries or damage that happen after your business finishes.
• Medical Payments: Coverage for third-party medical expenses from injuries on your premises, regardless of fault.