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If you want to reduce the chance of losing your business in the event of an accident, you need general liability coverage as part of your business insurance policy. In fact, this coverage type is considered among the most important aspects of business insurance, because it is relied on so often by companies in every industry. After all, there is always a chance you will be sued to pay for damages related to accidents for which your business is somehow responsible. In general, commercial liability insurance covers bodily injury, property damage, medical bills, and personal injury.
Bodily Injury Coverage
No matter where your business is located or what type of products you sell, there is a chance that customers will injure themselves. When that happens, they have the right to bring a lawsuit against your business, which could lead to you losing your business assets. That's because you will usually be expected to pay for the medical bills of any person who is hurt on your property or injured by your products. Whether someone breaks a bone after slipping on the floor at your business or becomes ill after using your product, you will be glad to have bodily injury coverage as part of your commercial liability insurance.
Property Damage Coverage
When your business gets blamed for damaging someone's property, you will be relieved to have property damage coverage. Whether an employee breaks a customer's possession while providing services in a home or a customer's car hits a pothole in your parking lot, this part of commercial liability insurance will pay for the repairs.
Products and Completed Operations Coverage
Whether you sell products or services, customers have the right to sue you if they are injured or their property is damaged by what you sell. The products and completed operations portion of your general liability insurance can protect you in the event of a lawsuit. It does this by paying for any medical expenses you owe, as well as any legal costs that result from a lawsuit against you.
Personal and Advertising Injury Coverage
This coverage can protect you from any lawsuits initiated by people who accuse you of libel, slander, or copyright infringement. It will pay for any legal expenses that arise during the lawsuit, whether you agree to a settlement or decide to go to court. However, personal and advertising injury coverage only applies if you did not actually commit the offense you have been accused of, so you will not be covered if you purposely infringe on a copyright or lie to ruin a competitor's reputation.
Medical Payments Coverage
General liability insurance also covers any medical expenses you might be responsible for after you are found at fault for an injury. This means that if you are ordered to pay the hospital bills of customers who were injured after visiting your property or using your product, medical payments coverage will kick in. This part of your commercial liability insurance will also pay the legal expenses associated with fighting a lawsuit.
Business Premises Protection Coverage
If anyone comes to your place of business and gets hurt, business premises protection coverage will pay for the resulting medical expenses. This includes the bills for the ambulance, hospital stay, and any rehabilitation that may be necessary afterward. This portion of your general liability insurance also covers offsite locations that for which your business is responsible.
Accidental injuries and property damage can happen outside of your office or retail location as well. If customers are injured due to activities your company has in progress at an offsite location, general liability insurance will cover the expenses involved with those accidents as well.
Product Liability Coverage
Even high-quality products have a chance of injuring customers at some point. If you ever face this problem, you will be glad to have product liability coverage. Whether a customer has an allergic reaction to a product or is somehow injured by it, this part of your general liability insurance will pay for the damages.
Completed Operations Coverage
If you offer services rather than products, you need completed operations coverage. This important part of commercial liability insurance will protect you if customers claim that your services harmed them or damaged their property. That's because this coverage will pay for medical bills and legal costs so you do not have to.