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General Liability Insurance

General Liability Insurance

Opening a business is a risky venture and one of the biggest risks that business owners must consider are lawsuits resulting from workplace incidents. Even with the number of regulations, safety procedures, and standardized processes that have been implemented for small businesses, accidents still occur, and without the proper protection, businesses are at risk of suffering immense financial distress. General liability insurance is designed to address these risks and covers losses resulting from real or alleged bodily injury, property damage, or personal injury that occurs on your business premises or arising from your operations.

 

Basic General Liability Insurance Coverages:

  • Bodily Injury Liability - covers the cost of medical care, loss of services, and restitution for any death that results from injury on your premises or as a result of your operations.
  • Property Damage Liability - covers physical damage to property of others (including rented premises) or the loss of use of that property.
  • Products-Completed Operations - provides liability protection (damages and legal expenses up to the policy's limit) if an injury results from an item your company produces or service your company provides.
  • Medical Payments - covers medical bills resulting from injury sustained on your business premises or as a result of your operations.
  • Personal and Advertising Injury - covers damages arising from injury caused by false or misleading advertisement, public slander or libel of another person or organization, invasion of privacy, and other circumstances which infringe on the rights of another individual or organization.

In addition to those mentioned above, there are other various general liability coverages that pertain to specific types of businesses. Most prudent business owners in Texas and California know that a general liability policy is a small investment compared to the potential financial damage they could incur as a result of their daily operations. General liability insurance policies have a set maximum limit for liability coverage; similar to personal liability, business owners who are at higher risk of potential liability claims can purchase a commercial umbrella insurance policy in the event that their general liability policy does not cover all damages incurred. At ATAB Insurance Services, we analyze your business from top to bottom to ensure we provide a policy that protects your business in any circumstance. 

 

Contact Us today for more information on obtaining commercial general liability insurance. 

 

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