General Liability Insurance

Navigate Business Risks with General Liability Solutions

In today’s increasingly litigious environment, general liability insurance is critical for businesses of all sizes and across industries. This insurance provides essential protection against the financial impact of lawsuits related to daily operations.

At Statewide, we understand the challenges you face as a business owner, especially when it comes to protecting your company against potential liabilities. Figuring out general liability insurance, which covers lawsuits related to bodily injury, property damage, and claims of libel or slander, can seem overwhelming. But you’re not alone in this. Our team of expert insurance agents is committed to guiding you through every step of the process, ensuring that your business is equipped with the right coverage tailored to your unique needs.

What Does General Liability Cover?

General liability insurance covers you for various types of legal claims that stem from business activities including:

• Bodily injury and property damage that your business may have caused to a third party.
• Personal injury, including libel, slander, and other forms of personal injury arising from your business operations.
• Advertising injuries, such as false claims or copyright infringement.

Types of incidents covered by general liability insurance:

• A customer slips on a wet floor at your store and sues your business for his injuries.
• You install a plumbing fixture that works fine at first but fails a week later, causing major water damage to your client’s property.
• Your advertising campaign inadvertently uses copyright-protected material without permission, and you get a letter demanding payment from the copyright owner.

The Critical Role of General Liability Coverage

Without this coverage, businesses would face all the legal expenses, including attorney fees, settlements, and court judgments, out of their own pockets. Such costs can be substantial, potentially jeopardizing the company’s financial stability.

A general liability policy ensures that unexpected legal challenges do not become obstacles to a business’s growth and success. It’s an indispensable tool for maintaining your company’s financial health and ensuring uninterrupted operation, making it a foundational aspect of effective risk management.