Running a business involves a certain amount of risk, no matter what product or service you provide. Investing in general liability insurance is critical to financially protect yourself and your business from unexpected incidents. 

What Is General Liability Insurance? 
General liability insurance is a policy that helps if a third party claims that the business caused bodily injury or property damage. It may also cover claims of third-party personal injury or advertising injury. Without general liability insurance, your business would have to pay for potentially expensive claims out of pocket. 

What Does General Liability Insurance Cover? 
General liability insurance typically covers claims that can occur through business operations. These policies generally include coverage for the following types of claims: 

• Third-party bodily injury—General liability insurance coverage may help pay for medical costs and legal fees if your business is responsible for third-party bodily injuries. 
• Third-party property damage—General liability insurance coverage may help pay replacement fees or repairs if your business damages someone else’s property.
• Reputational harm—General liability insurance may help provide coverage if your business is sued for libel or slander.
• Advertising injury—A general liability insurance policy may help pay for fees related to your business being sued for copyright infringement. 

Why Do You Need General Liability Insurance? 
General liability insurance is essential because it offers protection against various liabilities. It may help cover lawsuit expenses, including legal fees, settlements or judgments. This insurance may also extend to advertising injuries such as defamation claims. Additionally, it may fulfill contractual requirements, enhance credibility and ensure compliance with regulations. General liability insurance provides peace of mind and helps safeguard against unforeseen accidents or lawsuits, allowing you to focus on your business.  

Contact Kevin Brewer & Associates today to discuss your insurance needs. We can ensure you have the right coverage for your operations.