General liability insurance or commercial general liability insurance helps protect your business. It can help protect your business from being sued for causing property damage or bodily injury. General liability coverage is included in a BOP or Business Owner Policy, but you can also purchase it alone, as a single line policy.

What Does It Cover?

Commercial general liability insurance usually covers things like::

• Property Damage – If you or an employee causes damage to someone else’s property.
• Bodily Injury – Injury on your business property, other than you or an employee. Remember liability is always 3rd party coverage.
• Legal Fees
• Medical Bills
• Rehabilitation
• Personal/Advertising Injury – Harm you or an employee cause to another business or person by libel or slander. Harm you or an employee cause to another business because the advertising is too similar.

Remember that all things that are covered are only up to your policy limits. Liability is always 3rd party, so this does not cover property damage that is done to your own business or any injuries that happen to you or your employees. To cover property damage done to your business, you will need Commercial Property Coverage. To cover injuries for your employees, you will need Workers Compensation Insurance. For more clarification, please give us a call anytime, 949-450-1822.

Why Do I Need General Liability Insurance?

Liability insurance for businesses is actually not required by law, but that does not mean you don’t need it. Having general liability insurance is very important. If you don’t have it, a claim could shut down your business forever, cost you a lot of money, and cost you your own personal assets. To be covered for the most common small business insurance claims, general liability insurance is one of the coverage’s you need to have. If your business usually works with other businesses, then not having it could hinder you. A lot of businesses will not work with you unless you have this type of coverage.

Don’t go at this alone, please reach out to us and speak with an experienced commercial lines broker. Let Unity One Insurance handle getting your business insured properly so you can focus on running it! Call now 949-450-1822 or email info@unity1.com