What Does General Liability Insurance Cover?

General liability insurance in Arlington, TX helps cover the cost of liability claims that are made against a business by a third party.

Third-Party Injury: If someone injures themselves on your property then they can make a claim against the business. This insurance will cover the cost of the claim.

Product Liability: Not all injuries or damages can come from the store. If a business distributes, sells, or manufactures a product that causes harm then it can also be sued.

Third-Party Property Damage: If your business causes damage to another person’s property, you need to be protected. For example, if you own a landscaping business that is removing a tree stump and the stump rolls down and damages the neighbor’s hot tub, the business may be liable.

Advertising Injury: An example of advertising injury includes when you run an advertisement with music playing in the background and the artist makes a claim against you for copyright infringement.

Reputation Harm: It’s possible that other businesses can claim that things you say or advertisements you have harmed their own business’ reputation. General liability can cover the costs related to these types of claims.

There are some things that aren’t covered by general liability insurance in Arlington, TX. Policies can also vary by coverage so it’s always best to read the fine print of your policy and contact an agent at Strack Insurance Services if you have any questions. General liability insurance doesn’t cover things that other commercial insurance covers, such as auto accidents, employee illness or injury, or property damage. It’s important to note that customers and clients can also make claims that your business committed errors when providing them with professional services. In this case, general liability insurance doesn’t cover the claim but professional liability or errors and omissions insurance can cover these related costs.

Contact Strack Insurance Services to get a quote on general liability insurance.