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- General liability insurance (GLI) can help cover claims that your business caused bodily injury or property damage. General liability insurance (GLI) is sometimes called business liability insurance or commercial general liability insurance or comprehensive general liability (CGL).
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What is general liability insurance (Gli)?
What does general liability insurance cover?
What is commercial general liability insurance?
What are examples of general liability insurance?
Aug 14, 2023 · General liability insurance (GLI) can help cover claims that your business caused bodily injury or property damage. Learn what GLI covers, why you need it and how to get it through The Hartford.
- What Does General Liability Cover
General liability insurance, also known as commercial...
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- General Liability Insurance Definition
General liability insurance is defined as coverage that can...
- What Does General Liability Cover
General liability insurance protects you and your business from claims involving bodily injuries and property damage. Learn more about what it covers, how it works and how to get a quote from Nationwide.
- What Is General Liability Insurance?
- How General Liability Insurance Works
- What General Liability Insurance Covers
- How Can I Tell Whether My Business Needs General Liability Insurance?
- Steps For Getting General Liability Insurance
- Costs of General Liability Insurance
- Figuring Out How Much Coverage Your Business Will Need
- Other Types of Liability Insurance
- FAQs
- Key Takeaways
General liability insurance is a type of insurance policy that protects against third-party claims of bodily injury and property damage. This insurance covers the policyholder against financial losses arising from lawsuits or other claims made by customers, partners, vendors, or other third parties. General liability insurance is commonly considere...
General liability insurance works by providing financial protection to the policyholder in the event of a third-party claim. If the policyholder (in this case, the business owner) is found to be legally responsible for causing bodily injury or property damage to a third party, the insurance company will pay for the costs associated with that claim ...
General liability insurance typically covers things like: 1. Slip-and-fall accidents on business property 2. Injury or damage to third-party property while in the policyholder's care, custody, or control 3. Personal injury, not only physical but also personal or professional, including false arrest, libel, or slander 4. Products liability, which co...
Whether a business needs general liability insurance depends on several factors, including the size and nature of the business, the products or services offered, and the potential for third-party claims. As a general rule, if a business has any interaction with customers, clients, or members of the public, it is recommended to have general liabilit...
Here are the general steps you can take to obtain general liability insurance: 1. Assess the risks associated with your business: Evaluate the risks associated with your operations, products, and services to determine the level of coverage you need. 2. Shop around for insurance: Gather quotes from several insurance providers to compare coverage opt...
The cost of general liability insurance varies based on several factors, including the size and nature of the business, the products or services offered, the business location, and the level of coverage needed. Other factors that may impact the cost of general liability insurance include the policyholder's industry, the claims history of the busine...
You can determine how much general liability coverage you will need by evaluating the potential risks associated with your operations, products, and services, as well as your overall financial situation. Here are some steps you can take to determine your coverage needs: 1. Assess the risks: Evaluate the risks associated with the business, including...
In addition to general liability insurance, there are several other types of insurance that small business owners may want to consider. Some of these include: 1. Workers' compensation insurance: Required in most states, this insurance covers medical expenses and lost wages for employees who are injured or become ill as a result of their work. 2. Pr...
Does general liability cover theft?
General liability insurance does not typically cover theft. General liability insurance covers third-party claims of bodily injury or property damage that arise from the business's operations, products, or services. Theft of the business's property or the property of others is not considered a third-party claim and is thus not covered by general liability insurance. To protect against losses from theft, you may need to purchase a separate property insurance policy, also known as a commercial...
Is general liability insurance required by law?
General liability insurance is not required by law in the U.S. However, companies in some industries, such as construction and certain types of service providers, may be required to carry general liability insurance as a condition of doing business with clients or as a requirement for obtaining necessary licenses and permits. In addition, many businesses are required by their landlords or clients to carry general liability insurance as a condition of doing business with them. This is often re...
Does general liability insurance carry a deductible?
General liability insurance typically does carry a deductible, which is the amount that the policyholder is responsible for paying before the insurance coverage kicks in. Similar to the deductible of a health insurance policy, the deductible of a general liability insurance policy is a type of cost-sharing mechanism that helps to reduce the overall cost of the insurance policy. The amount of the deductible can vary depending on the policy and the specific insurance company. A business owner c...
General liability insurance might not be legally required, but small business owners should undoubtedly investigate obtaining some form of coverage in order to protect themselves, their customers, and others. Lawsuits or other claims made by customers could lead to substantial liabilities and financial losses, which small business owners most likel...
Jan 11, 2024 · General liability insurance protects your business from legal claims by third parties for bodily injury, property damage, reputational harm and advertising injury. Learn who needs it, what it covers, how much it costs and how to get quotes.
- David Gargaro
Learn what general liability insurance is, who needs it, and how it protects your small business from lawsuits and claims. Get a quote online or call 1-888-806-9598 to find the best coverage and price for your needs.
