General liability insurance is vital when it comes to protecting you from various claims that can arise from your business operations. You may also hear general liability referred to as business liability or commercial liability insurance. General liability insurance protects your business in the event of injury or property damage that may occur as a result of your normal business operations. If any of the following is true about your business, you will most likely need General Liability coverage:
Property Damage Coverage – This coverage protects you in the event you are responsible for damage to someone else’s property or their loss of the use of that property.
Bodily Injury Coverage – If an accident were to occur on your premises, bodily injury coverage will take care of medical expenses associated with the claim. Keep in mind that your employees are not covered under General Liability insurance. They are covered under your worker’s compensation policy.
Personal and Advertising Injury Coverage – Your General Liability policy might also cover expenses arising from non-physical damages that your business or employees may be responsible for. This can include publishing libelous or slanderous information or violating someone’s privacy rights.
At Craddock Insurance Services we understand that a lawsuit can have a significant impact on a business of any size. We also understand that all business are unique. There can be additional liability coverage you may need to adequately protect your business. For example, if you distribute alcohol at company events, Liquor Liability Coverage may be needed to protect you from lawsuits arising from a liquor-related accident. If you sign contracts with other businesses, there can be a clause in the contract that requires you to have General Liability insurance.
No matter what type of business you are operating, our experienced team will work closely with you to evaluate the various risks your business may face and will make sure you are covered for anything that could occur during normal operations. Whether you are located in Gainesville, Dawsonville, Cumming, Oakwood, or the surrounding Georgia areas, we can provide a general liability insurance solution for your business. For more information on general liability insurance and to see how we can help you, contact us today!