Commercial General Liability insurance coverage protects you, your employees and your business from claims made against you involving bodily injury or property injury, up to the limits of your policy. This coverage will protect you from the expense of legal fees, judgments awarded by courts and out-of-court settlements, lawsuits and judgement awarded by a court.
What is Typically Covered?
Commercial Liability coverage safeguards against known and unknown risks.
Lawsuits, investigations and settlements
Commercial General Liability will cover the cost of investigation and attorney fees, pay for any settlement or judgement, medical expenses and post bonds if necessary.
General Liability Insurance will cover the cost of claims from property damage or bodily injury resulting from accidents that occur on your property or from the products you produce, your operations or advertising for your business.
And there is more
General Liability Insurance covers things you may not have even thought about. If your companies advertising violates someone’s copyright, this is covered as an advertising injury. It can also offer some protection if there is an alcohol-related accident as long as your business is not an alcohol-related business.
There are things that are not covered under a General Liability Policy.
Employee Injuries – Workers Compensation protects your employees if they are hurt on the job
Professional Mistakes – Professional Liability protects you from problems due to your offering of an opinion, a recommendation or a solution in the course of doing business.
Auto Related Coverage – Commercial Auto Insurance protects your company in the case of an automobile accident.