General Liability Insurance in Woodstock, GA

General liability insurance is an essential form of coverage for businesses, offering financial protection against third-party claims and potential losses.

Whether you’re a small business owner, contractor or other professional, understanding the basics of general liability insurance is essential.

What is it?

General liability insurance is a type of insurance policy that offers financial protection against third-party claims that may arise from your business operations.

These claims could be related to bodily injury, property damage or other liabilities. This insurance can help cover the costs of financial losses that result from lawsuits or claims made by external parties, such as customers, partners and vendors.

What Does it Cover?

General liability insurance may include the following coverage:

• Bodily injury and property damage—If someone is injured on your business premises or if your operations cause damage to someone else’s property, this type of liability insurance can help cover medical expenses, legal costs and settlements.
• Personal and advertising injury—This coverage may protect you against claims related to defamation, libel, slander or infringement of intellectual property rights (such as copyright or trademark violations).
• Medical payments—General liability can also help cover medical expenses for injuries sustained by third parties on your premises, even if you’re not legally liable.

Who Needs General Liability Insurance?

Although this type of liability insurance is typically not legally required, it may be mandated as part of a commercial lease. Even if not required, it’s highly recommended for most businesses and professionals, such as the following:

• Contractors—Construction contractors, landscapers, painters and other tradespeople benefit from getting a liability insurance due to the risks associated with their work.
• Business owners—Whether you run a retail store, restaurant or consulting firm, having this can help financially protect your business against unexpected claims.
• Professionals—Architects, engineers, photographers and other professionals who interact with clients should consider general liability coverage.
• Food trucks and caterers—Mobile businesses face unique risks, and this type of liability insurance can offer financial protection.

How to Get General Liability Insurance

If you have any specific questions or are ready to obtain a policy, contact Kris D Rogers & Associates. We can make coverage recommendations tailored to your needs. Let us assess your operations and help you find the right general liability policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.