General liability insurance is one of the most important coverage’s for your business. This policy will provide protection in the event of a lawsuit arising out of the premises, service, operation or product of the business.  

If an incident/injury were to occur due a negligent act, this coverage will respond. In the event of a claim, the amount rewarded could be minimal to millions of dollars depending on the extent of damage or injury

General Liability Insurance For Your Business

You must protect your customers from potential injury – your financial security can be put at risk if you are legally liable for damage to someone's property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in your line of business, you are not fully protected unless you have liability insurance.

Liability coverages include:

• coverage for tenants' property damage liability
• Medical Payments
• Expanded Fire Damage – coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents
• coverage is provided for additional insureds when required by written contract
• Extended Property Damage – coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property
• additional insured status is extended to employees who provide professional health services when this exposure is incidental

At CCI Underwriters, we can review this coverage in detail and advise how the coverage’s would apply in the event of claim. We could never advise on the amount of coverage that would be sufficient for your business. This decision would be yours to make. We would recommend purchasing the highest coverage available and affordable. This is not the type of coverage to want to cut corners with.

Liability insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.

Bodily Injury - Liability coverage may pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury.

Property Damage - In the event your business causes damage to, or causes the loss of use of someone else's property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.

Hired Auto & Non-Owned Auto

Hired Auto & Non-Owned Auto coverage if requested is typically added as an endorsement on a policy. If their are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.

Hired Auto coverage replaces or augments the liability coverage offered by auto rental agencies for example

Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.

Medical Payments

If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limites, within one year of the accident . For example, if a customer tripped and fell on your premises and had to be hospitalized.

Personal Injury

Most General Liability policies provide coverage if you are accused of: