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General liability insurance is a type of insurance policy that provides financial protection to individuals and businesses against claims made against them for bodily injury, property damage, or personal injury. This type of insurance covers the cost of legal defense or settlement if the policyholder is found to be responsible for an incident that resulted in harm or damage to a third party.
General liability insurance is commonly purchased by businesses to protect them from potential lawsuits related to accidents or injuries that occur on their premises or as a result of their products or services. This type of insurance can also be useful for individuals, such as contractors or freelancers, who may be held liable for damages they cause while performing their work.
It depends on the type of insurance you have. If your existing insurance covers liabilities arising from your business operations, then you may not need general liability insurance. However, if your current insurance policies only cover specific risks, such as property damage or employee injuries, then you may still need general liability insurance to protect your business from other types of liability claims.
General liability insurance can help cover costs associated with third-party injuries or property damage resulting from your business operations. It can also provide legal defense if a lawsuit is brought against your business. Ultimately, the decision to get general liability insurance will depend on the specific needs and risks associated with your business.
General liability insurance typically covers third-party bodily injury, property damage, and advertising injury claims. This means that if someone is injured on your property or if you damage someone’s property during the course of your business operations, your general liability policy would help cover the costs of any resulting lawsuits or settlements.
Additionally, if someone accuses your business of libel, slander, or copyright infringement, your insurance would help cover the costs of defending against these claims. It’s important to note that the scope of coverage can differ depending on your specific policy, so it’s important to work with an experienced insurance agent to determine which type of policy and coverage limits are right for your business.
Give the team at Kocman Insurance Group a call at 717-854-0300 and we will be glad to answer any of your questions or concerns.