What is general liability insurance?

General liability insurance covers claims of bodily injury and property damage against your business.

If you have a small business, you’re probably wondering how the heck you should go about insuring it and what coverages you need for it. One important coverage to consider is general liability insurance. What’s that, you may ask? It sounds like it’s liability insurance for general stuff, but it has to be more complicated than that. And yes, it is. We’ll explain.

What is general liability insurance?

General liability insurance (or GL for short) can protect your business against claims of bodily harm or property damage. It can help you cover the costs that you owe the injured party for the unfortunate hiccup you encountered.

Another thing – someone might sue you over bodily injury or property damage if they’re in a litigious mood. (Being sued is no fun, FYI.) Anyways. GL can help you cover your legal expenses if you find yourself in the midst of a lawsuit.

What’s an example of GL in action?

Okay, so you’re probably wondering how this works in practice. So we’ll give you an example of how general liability can be a business’s superhero.

Let’s say you have a restaurant or something. A family has dinner, pays, and goes to leave. They wander towards the door, but all of a sudden Jow takes a bad fall. Ooof. He breaks his wrist and even hits his head. So yeah, that requires some medical attention. And then Joe sues because of what happened. Your general liability insurance can help you out.

Anyways, GL is a must for businesses to consider because of the coverage it offers against claims of bodily injury and property damage. If you ever encounter your very own Joe, you’ll be prepared.


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