General Liability
Protecting your business starts with reliable coverage and a broker who understands the Insurance market.
General Liability Insurance
Commercial General Liability (CGL) insurance is a key part of protecting your business. It helps cover claims of bodily injury or property damage that your business may be legally responsible for. This coverage is essential for maintaining financial stability and allowing your business to continue operating if a claim arises.
What General Liability Covers
Bodily injury and property damage: Covers costs if your business operations cause injury to a person or damage to property.
Personal and advertising injury: Covers claims such as libel, slander, or copyright infringement that occur in your business communications or advertising.
Defense costs: Covers attorney fees and legal expenses related to covered liability claims, even if your business is not found at fault.
Medical payments: Covers medical costs if someone is injured on your premises or by your products.
Products and completed operations: Covers bodily injury or property damage that results from your products or completed work after it has been delivered or finished.
Automatic additional insureds: Extends coverage to other parties, such as clients or project owners, when required by written contract or permit.
Determining Coverage Limits
The amount of coverage your business needs will depend on:
1. Type of operations. Higher-risk industries such as construction or manufacturing typically need higher limits than low-risk operations.
2. Location. Certain states and jurisdictions are known for larger claim settlements, which may require higher limits of liability.
3. Type of product or service. Businesses that produce or install items that could cause injury or damage may also need additional protection.
An umbrella liability policy can be purchased to provide additional limits beyond the CGL policy.
Additional Risk Management Steps
CGL insurance is one part of an overall risk management strategy. Businesses should also:
Maintain proper safety and quality control procedures.
Keep training and documentation consistent and accurate.
Review contracts to confirm appropriate insurance requirements are in place.
The Jines Group can help you review your coverage, identify potential gaps, and make sure your liability protection aligns with your operations.
General Liability Insurance
Commercial General Liability (CGL) insurance is a key part of protecting your business. It helps cover claims of bodily injury or property damage that your business may be legally responsible for. This coverage is essential for maintaining financial stability and allowing your business to continue operating if a claim arises.
What General Liability Covers
Bodily injury and property damage: Covers costs if your business operations cause injury to a person or damage to property.
Personal and advertising injury: Covers claims such as libel, slander, or copyright infringement that occur in your business communications or advertising.
Defense costs: Covers attorney fees and legal expenses related to covered liability claims, even if your business is not found at fault.
Medical payments: Covers medical costs if someone is injured on your premises or by your products.
Products and completed operations: Covers bodily injury or property damage that results from your products or completed work after it has been delivered or finished.
Automatic additional insureds: Extends coverage to other parties, such as clients or project owners, when required by written contract or permit.
Determining Coverage Limits
The amount of coverage your business needs will depend on:
1. Type of operations. Higher-risk industries such as construction or manufacturing typically need higher limits than low-risk operations.
2. Location. Certain states and jurisdictions are known for larger claim settlements, which may require higher limits of liability.
3. Type of product or service. Businesses that produce or install items that could cause injury or damage may also need additional protection.
An umbrella liability policy can be purchased to provide additional limits beyond the CGL policy.
Additional Risk Management Steps
CGL insurance is one part of an overall risk management strategy. Businesses should also:
Maintain proper safety and quality control procedures.
Keep training and documentation consistent and accurate.
Review contracts to confirm appropriate insurance requirements are in place.
The Jines Group can help you review your coverage, identify potential gaps, and make sure your liability protection aligns with your operations.
