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What is Small Business Liability Insurance?
General insurance (GLI) is an essential tool to protect your business from potential lawsuits due to bodily injury or property damage. It is commonly referred to as business liability insurance, commercial general liability insurance, or comprehensive general liability (CGL). GLI can be purchased as a standalone policy or included in a Business Owner’s Policy (BOP) along with other important coverages.
What Does Business General Liability Insurance Covers?
General Liability Insurance protects businesses from claims of bodily injury, property damage, and other liabilities that can arise from normal business operations. We offer small business a wide variety of protection coverages:
- Bodily injuries: Protects against injuries that occur on your premises
- Property damage: Protects against damage resulting from your business’s operations
- Personal injury: Covers claims of libel, slander, or other personal injuries
- Advertising injury: Covers claims of copyright infringement or other advertising injuries
- Reputational harm: Covers claims of reputational harm
Why Do You Need Liability Insurance For Your Business?
Liability claims aren’t uncommon and can get expensive. In fact, 4 out of 10 small businesses will likely experience a liability claim in the next 10 years.** Slips and falls are the leading cause of emergency room visits.1 The average cost of this kind of claim is $35,000. If a claim leads to a lawsuit, it can increase its average cost to more than $75,000 to defend and settle.** Without general liability insurance, your business would have to pay for these costs out of pocket and it can put you out of business.
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