Liability insurance is designed to protect the business against losses in the event that they are found to be negligent or liable for property damageĀ or bodily injury to third parties. Typically, damages, legal defense fees, and settlement charges are paid by the insuring company when a claim is filed against the business.

Products and Completed Operations

This type of coverage can provide liability protection for your company’s completed products or services. If an injury occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits.

Medical Payments

If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident.

Personal Injury

Most General Liability Insurance policies provide coverage if you are accused of:

  • Publishing inaccurate information that slanders or libels a person or an organization
  • Publishing material that violates a person’s right of privacy
  • Falsely arresting, detaining, or imprisoning someone
  • Maliciously prosecuting someone
  • Wrongfully evicting someone

Advertising Injury

This policy will provide valuable liability protection against advertising injuries resulting from claims that, in the course of advertising your company’s own goods, products, or services, you are accused of:

  • Publishing inaccurate information that slanders or libels a person or an organization
  • Publishing material that violates a person’s right of privacy
  • Copying some other company’s advertising ideas or style of doing business
  • Infringing on another company’s copyright, title or slogan