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General
Liability
In today's litigious
society, even small mishaps can result in large lawsuits. That's why general
liability insurance, along with property and worker's compensation insurance,
are essential for most companies. Liability insurance protects the assets of
a business when it is sued for something it did (or didn't do) to cause an
injury or property damage.
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.
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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
Get-A-Quote
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