General Liability
A general liability policy represents the most basic type of coverage that your business needs. With a general liability policy, you’ll be protected from common lawsuits involving injury to your client, property damage, court & legal fees, medical payments, and more. Talk with one of our commercial agents to learn whether a General Liability policy is best for your business.
The clear advantage
CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.
What is general liability insurance?
Commercial general liability insurance, also known as GLI or business liability insurance, is a type of insurance that helps protect your business from claims of bodily injury or property damage. This type of insurance covers claims that can come up during the course of normal business operations.
What does general liability cover?
- Bodily injuries or damage to another person’s property that your business causes
- Advertising injuries that your business causes by defaming someone else or another company
- Harm resulting from malicious prosecution, slander, libel, wrongful eviction, violating a person’s privacy and more
- Medical costs if your customer or client hurts themselves while visiting your business
- Damage to rented property caused by a covered loss such as fire, lightning or explosion
What does general liability not cover?
General liability insurance doesn’t help cover all injuries or damages in every situation. For example, medical treatment costs for injured workers are not covered by this policy. General liability insurance also does not cover lost wages for injured workers. Instead, you’d need workers’ compensation insurance.
Why is general liability needed?
Liability insurance coverage helps protect you from costly general liability claims that can happen during common business situations, such as:
- You or your employees representing a client
- Meeting with clients face to face
- Working on or with another person’s property
- Using third-party locations for business activities
- Advertising your business
CLEAR Insurance is here to help when things change
Your business is growing and evolving – Your commercial insurance should too. Our agents will work with you before your policy renews each year and any time you need to adjust or change your insurance coverage.
Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.
