GENERAL LIABILITY
WORKERS COMPENSATION
COMMERCIAL BONDS
COMMERCIAL AUTO
General Liability Insurance
General Liability Insurance Information
If you own a personal liability policy, it generally includes a work-related liability as well. You must ensure that you have enough auto liability coverage.
Over the last few years, the chances of a business owner getting sued have increased significantly, this is very sad but unfortunately, this is something that can’t be ignored. General liability insurance is very useful for a business owner as it can prevent him from a potential financial disaster by providing him with much-needed financial protection in case he is sued or held responsible for the damage or injury.
The general liability insurance pays for the losses arising due to physical injury, personal injury or damage to property or business premises.
The liability programs framed by Hartford cover a broad range of conditions as compared to other policies. It covers around 30 areas.
Areas Covered In General Liability Insurance
- Physical injuries including the cost of medical care, loss of income and the compensation for death due to injury.
- Products-Completed Operations offer liability protection in case the injury is made due to the fault of your business, service or company.
- Property Damage coverage that covers the physical damage to other’s property and /or non-usability of that property.
- Contractual Liability includes any expected liability you can think of while entering into a contract.
- Products Liability is a more advanced liability insurance policy that safeguards your company from lawsuits regarding the product related accidents and injuries.
- Other liability coverage includes: Fire, Explosion or Lightning damage, Water Damage, Medical Payments, Reasonable Use of Force, Legal Defense Cost, Personal Injury, Borrowed Equipment, Non-Owned Vehicles, Liquor Liability, Advertising Injury and so on.
General Liability Insurance Quote Form
General Liability Insurance Quote Form
General Liability Insurance Information
If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford’s liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
