Commercial General Liability Insurance 101

One of the most important types of business insurance policies you can have for your business is general liability coverage. Even if your business is based out of your house, you still need general liability coverage, which your homeowners insurance won’t cover. 

What is commercial general liability insurance? This type of insurance provides defense and damages if you, your employees or your product/services cause damage to third parties. Even if someone falsely accuses your business of causing damage, general liability insurance can provide defense and damages.

Let's break that down:

• A customer might claim that you, the business owner, were negligent in keeping the floor of your business dry and that caused him to slip and fall. He might sue you for bodily injury. General liability insurance can provide your defense and any damages that are awarded.
  
  
• A customer might claim that one of your employees bumped into his car with merchandise and caused damage. That customer might decide to sue your business for property damage, claiming the employee was negligent. General liability insurance can protect your business by providing your defense and paying the claim if it is awarded.
  
  
• A customer might claim that your product or services caused him emotional or physical damage due to any number of reasons. General liability insurance can cover you in case that customer decides to sue your company.

There are many examples of how a customer could claim bodily injury or property damage and file a lawsuit against your company. The first defense is to be cautious in everything you do. Train employees to do the same and be sure you and your employees are not negligent. The second defense is to have adequate general liability insurance just in case. 

So, why wait? Protect your business today by getting general liability insurance. Just contact us and we will be happy to help you.

Protect your livelihood. Call Owen & Associates at (770) 422-0456 for more information on Marietta business insurance.