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What Does General Liability Insurance Cover?
Bodily Injury
Bodily injury liability covers you when somebody outside of the business sues alleging that your small business was negligent, causing them to be physically hurt. They could sue for lost wages, emotional trauma, or other damages associated with being injured as a result of the negligence of the small business. Regardless of if your business is at fault, your business would have to pay for a lawyer to defend the suit.
Property Damage
Property damage liability can protect your business if you are sued for negligence that has caused damage to the property of somebody else. For example, if you were operating a machine at a job site and it hit an adjacent building, causing significant damage to the wall of the building. The owner of that building would likely sue your small business to recover the costs to fix the building, and potentially any lost revenue if the building became unusable.
Tenant’s Legal Liability
Tenant’s legal liability covers damages to property resulting from leasing, renting, or occupying space as a tenant. This could be damaging the flooring or carpeting of the unit your small business is leasing by spilling something, resulting in the flooring needing to be replaced. Regardless of if you are at fault, your business could have to pay legal fees to defend the suit.
Personal Injury & Advertising Injury
This covers the non-physical damages that another person or business may suffer as a result of your small business operations. Damages could include injury from libel, slander or privacy violations, or misappropriation of advertising ideas or style of doing business. Regardless of if your business is at fault, you can be accused of these violations and your small business must pay legal fees to defend itself.
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General Liability Insurance at affordable monthly rates with APOLLO Insurance.