General Liability

Protect your business from devastating lawsuits

Coverage Overview

General Liability Insurance helps to protect your business from potential devastating monetary loss arising from such a lawsuit. The chances of a business getting sued for bodily injury, personal injury or property damage to a third party have dramatically increased.

Claims stemming from negligent acts by you, others within your organization or others acting on behalf of your organization, can arise from a variety of circumstances:

  • A product you manufacture or supply causes bodily injury and/or property damage to a third party
  • Property damage and/or bodily injury to a third party results from your business operations
  • Allegations of libel, slander or defamation are brought against you by a third party

General Liability typically provides coverages for expense stemming from allegations of bodily injury or property damage such as:

  • Amount the insurer spends to investigate or defend the claim or suit brought against you
  • Other costs incurred directly by the insurance company, such as lawyer fees, witness fees, police report costs
  • Any court costs or other costs assessed against you in a suit
  • Reasonable expenses you incur at the insurance company's request to aid in your defence against a claim, such as your loss of income for a day spent in court
  • Any judgment or settlement arising from a covered suit
  • Any required interest on the judgment if the defence is unsuccessful
  • Medical expenses for injured parties
  • Premiums for any bonds required by a liability suit

Want to learn more? Contact our small business risk experts.

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