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General Liability Insurance: Your Defense Against Liabilities
The only way to effectively protect the assets of your business from the claims of third parties is to carry adequate Commercial General Liability (CGL) Insurance coverage. General Liability protects your business from bodily injury or property damage for which your business is determined legally liable.
What Does General Liability Cover?
A typical General Liability policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and/or property damage as a result of your products, premises, or operations, and can be offered as a package policy with other coverages such as, Property, Crime, Automobile, etc.
As a safeguard against liability, General Liability enables you to continue your normal operations while the insurance company defends you against real or fraudulent claims of negligence or wrongdoing. General Liability policies also provide coverage for the cost to defend and settle claims. Additional General Liability coverages include:
How Much Coverage Does Your Business Need?
The amount of coverage your business should purchase depends on three factors: perceived risk, where you operate your business and the type business you operate.