Business Insurance – A Brief Look at General Liability Insurance

Hey there, Business Owners!

At Castle Insurance, we’re all about helping you navigate the complexities of business risks with confidence. If you’re running a business, you know that having the right insurance coverage is crucial. Let’s dive into the basics – General Liability Insurance – your ultimate safety net!

What’s Covered:

1. Bodily Injury Liability: Picture this: You’re hosting a bustling event, and someone takes a spill. No sweat! General Liability Insurance steps in to cover those medical bills and legal fees if someone gets injured on your premises. Another great example is a slip and fall on your business premises.
2. Property Damage Liability: Workers from a snow removal company make a mistake with a snowplow, damaging a parked vehicle. Or perhaps your delivery personnel, installers, or handymen working within a client’s home accidentally knock over and break an antique item. Oops! Your insurance has your back, handling the costs to fix or replace whatever got damaged.
3. Advertising Injury: Ever worry about rubbing someone the wrong way with your marketing? Fear not! General Liability Insurance covers sticky situations like defamation claims or copyright issues – it’s all included for most types of businesses!

What’s Not Covered:

1. Professional Liability: We all make mistakes, but when it comes to professional errors, General Liability Insurance won’t cover you. If your services lead to a mishap, consider Professional Liability Insurance for that extra layer of protection. If your industry requires a license or certification, you need this type of coverage.
2. Employee Injuries: Your team is your backbone, but if they get injured on the job, General Liability Insurance won’t foot the bill. That’s where Workers’ Comp Insurance comes in handy, ensuring your employees are taken care of.
3. Intentional Acts: Keep it cool, stay ethical, and avoid intentional harm. If things go south and you’re found to have caused harm deliberately, your insurance might not come to the rescue. Just be a good person and good business owner.

With General Liability Insurance on your side, you can tackle business challenges with peace of mind. and focus on what you do best.