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General Liability

Today’s society is increasingly litigious, and even small missteps can result in large lawsuits. Because of this, general liability insurance is critical for companies. General liability insurance can protect a company’s assets if it is sued for property damage or personal injury by a visitor or client to their premises. You can purchase this coverage on its own or as part of a business owner’s policy (BOP) or package policy. BOPs and Package policies bundle liability and property insurance into a single policy.

So how do you decide how much coverage your business needs? It usually depends on a couple of factors:

  • Perceived risk. Consider the amount of risk associated with your business. A heavy machinery manufacturer will carry a much greater risk of being sued for personal injury than a linen manufacturer.
  • Your company’s location. Some states have a history of awarding high damage amounts to plaintiffs claiming personal injury. Businesses that operate in such states should carry liability insurance with higher coverage limits. You should consult with a licensed insurance broker to obtain more guidance in this area.

 

How Does General Liability Work?

This coverage provides business organizations insurance to protect them against claims for bodily injury and property damage caused by the premises, operations, products and completed operations. It also protects against advertising and personal injury liability. In the event of a covered claim, the insurance may provide a legal defense against the suit. If the claim is deemed to be valid, it will provide payments to the plaintiff up to the policy limit.

General liability policies detail the maximum amount that an insurer will be responsible for paying during the policy’s active period. Such policies also usually list the maximum amount an insurer will pay per occurrence. The insured business would be responsible for any amount above that maximum. So, if a business with a $2 million occurrence cap in its liability insurance policy were to be successfully sued for $2.5 million, the insurer would pay the $2 million, leaving the company responsible for the $500,000 balance.

Some companies choose to purchase umbrella insurance to cover such situations. Umbrella insurance picks up where general liability coverage ends, covering payments that exceed the limits on other policies. It also provides additional coverage for any liabilities that standard liability policies do not cover. Read more about umbrella insurance here.

What Can I Do?

If an accident occurs that may lead to a liability claim, most insurance companies require policyholders to report it as soon as possible. At that point, the insurer may instruct the business owner to: document the accident and any other relevant information, to forward any legal notices to the insurer, and to cooperate fully in any investigations arising from the accident.

To keep liability and other rates down, business owners should take precautions to prevent accidents. Taking these steps can lower the potential costs of a liability insurance claim:

  • Set a high, companywide standard for product quality control.
  • Keep all company records up to date; ensure that they are complete.
  • Train all employees properly.

Even if an allegation has no merit, it still must be defended. Having this coverage will help you pay for any defense costs. Should you have to pay the plaintiff, this coverage will help you cover the cost of the claim. This is why it is so important to have general liability coverage.

FAQ'S

What is General Liability?

General Liability protects the business operations from third-party suits that is brought against the business. This includes slip and fall, liable, defamation, or allegation of bodily injury.

How can I obtain the coverage?

The completion of an application is required. This application will detail specific business operations as well as other pertinent information.

What is the cost for this type of policy?

Costs vary based on the type of operations, your jurisdiction and other rating factors.

How much coverage do I need?

The standard General Liability policy provides $1,000,000 per Occurrence and $2,000,000 per Aggregate. Your contract may require higher limits. In that case, you may need excess coverage.

What is an additional insured?

Additional Insureds can be an entity or person(s) who by contractual obligation requires that they be listed under your organization’s policy. This endorsement protects them in the event of a legal action that is brought against you and naming them as a defendant.

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Phone: 703.961.8886
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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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