Gines Insurance Agency

General liability insurance protects businesses from common risks associated with operations.

This coverage pays for legal expenses if a customer is injured on your premises or if you accidentally damage someone's property. It also includes personal and advertising injuries such as libel and copyright infringement.

Small business owners often require general liability insurance to satisfy lease, loan, or contract obligations. For instance, landlords may request proof of insurance before finalizing a commercial lease agreement.  General liability coverage is vital for managing risks in small businesses, and it is cost-effective.

General liability insurance is essential for your business if it:

• Operates a location open to the public
  
• Interacts closely with customers or clients
• Handles client property
• Leases or owns commercial property

General liability insurance protects against liability claims from third parties, such as:

• Bodily injuries: Covers medical expenses if a customer is injured on your premises and legal costs if they sue.
• Property damage: Pays for damages if your business accidentally damages someone else’s property.
  
• Product liability: Includes coverage for harm caused by products your business manufactures, distributes, or sells.
  
• Personal and advertising injuries: Covers legal defense and settlements for claims like slander, libel, false arrest, or copyright infringement.
  

General liability insurance, specifically under a commercial general liability (CGL) policy, supports businesses by covering legal fees, court-ordered judgments, and settlements arising from these types of claims.