What is General Liability Insurance?

General Liability Insurance helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business’s assets at risk. For example, General liability insurance helps protect you and your business in the event of the following:

  • A customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.
  • While on the job, you accidentally damage a customer’s property and the repairs are costly. Should a claim like one of these be made against your business, then your commercial general liability insurance policy may help pay for the damages.

Coverages

Bodily Injury and Property Damage Liability

Covered losses can include things like an injury from a slip and fall at your premises or worksite and damage to neighboring property.

Medical Payments

This coverage for medical expenses is for a covered bodily injury to a third party as a result of an accident on your premises or worksite.

Personal and Advertising Injury Liability

This coverage can help protect you in situations such as when an employee speaks or publishes information that slanders or libels a person or organization, publication of material that violates a person’s right of privacy, copyright infringement, or wrongful eviction.

Damage to Premises Rented to You

Helps protect against certain claims businesses for damage to premises rented to you due to fire, lightning or explosion.

Reputational Harm

Helps protect against certain claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, violation of the right of privacy and more.

Advertising Errors

Helps protect against certain claims your business if others claim you infringed on their copyrights when advertising goods, products, or services in your advertisement.

Additional Solutions

You can enhance a general liability insurance policy with additional coverage to meet the specific needs of your business. Typical additional coverages include:

  • Damage to Premises Rented to You
  • Employment practices liability insurance
  • Hired and non-owned auto liability insurance
  • Expanded property damage
  • Aggregate limits per location or project
  • Employee benefits liability

Extending Your Coverage

If a contract requires a business to add individuals/entities to its business liability insurance coverage, The Hartford helps make it easy to add them to the policy.

Improve Safety and Reduce Risk

One of the best ways to avoid a lawsuit is to run the safest business possible. The Hartford’s Risk Engineering group is part of our General Liability Insurance policy team and can help with one-on-one risk management consultations and safety seminars. They can also find ways to save companies money with discounts for things like installing safety equipment and following best practices

Need Specialty General Liability Insurance?

For “higher hazard” liability exposures, our Specialty General Liability group includes underwriters, risk engineering consultants and liability claims specialists who are experienced in hard-to place and unique products and premises risks. We offer solutions for manufacturers, wholesaler-distributors and importers of difficult-to-place products, as well as others with unique or difficult General Liability exposures. Stand-alone or bundled with other solutions, our Specialty General Liability coverage and services are designed to provide a total solution. Our coverage helps protect against third party injuries and associated defense costs in addition to other high hazard exposures.

Help protect your business with General Liability Insurance.

More and more businesses are being sued for things like negligence, libel, slander, property damage, bodily injury, copyright infringement among other things. And businesses can be sued even when they did nothing wrong.