In the event a Business Owner policy does make sense for a small business, it might make sense to seek general liability coverage. General liability is often considered the core insurance to protects against lawsuits from third parties, including accidents involving visitors, clients, or delivery people, by providing financial protection if your business is ever sued or held legally responsible for an injury or damage to a third-part interacting with your business.
As the result of an incident, General Liability will typically cover losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Damage to others (third parties)
- Bodily Injury
- Property Damage
- Personal Injury
- Advertising Injury
General liability is a core insurance to protects against lawsuits from third parties including accidents involving visitors, clients, or delivery people.
Your organization, your volunteers, your employees and your directors and officers should all be included
as insureds under this policy.
Reasons to Consider
- Foundational coverage for small businesses.
- Many insurance companies will not provide other coverage’s as standalone insurance without also have general liability in place.
- If you hold an a social or other special event, you might need this coverage to book a venue or fulfill a client contract