General Liability Insurance

Take care of your business

Wet floors. Slip and falls. Damaged property. Installations that go wrong. Employee mistakes. Client injuries. When you’re a business owner, even the most insignificant incident can quickly turn into a big lawsuit, threatening the livelihood of everything you’ve worked hard to achieve. Having adequate coverage will help you prove your innocence, protect your assets and maintain the stability of your business.

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Protect Your Clients  

General Liability is a fundamental coverage every business should begin with, when designing their insurance portfolio. At its core, it is meant to protect your business in the event of a liability claim, but it also carries several other benefits that are not necessarily related to your wrongdoing. Having General Liability coverage can help you win bids for new projects or obtain business loans.

Protect Your Business

General Liability is also required when leasing commercial space or equipment, or performing a service.  It puts your clients, vendors and landlords at ease and reassures them that they will be compensated if someone gets injured because of your work, or if their property gets damaged in the process. General Liability will also protects you against unexpected lawsuits resulting from unjust or false accusations of bodily injury or property damage claims, as well as your alleged negligence or wrongdoing.

We're Here to Help

At Kuzbiel Insurance Brokers we will work with you to identify the risks your business is facing and review the insurance requirements your clients and vendors are seeking. We will be there with you, demonstrating your company’s stability through insurance certificates, and we will help you grow your business by providing peace of mind for your new potential clients.

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coverage definition

General Liability coverage is designed to protect businesses from liability claims for bodily injury & property damage, resulting from operations, products, premises, and advertising and personal injury.

Policy Options

What happens when an actual claim is filed against you and your company? It is important to keep in mind that claims are frequently filed months, even years after the alleged incident occurs. This may or may not become a problem depending on the type of GL policy your company carries. There are two types of policies:

Occurence Policy

An occurrence policy covers alleged incidents that occurred while the policy was in force, regardless of when the claim is filed. In other words, even if you no longer have the policy when someone files a claim against you three years after an incident, the policy that was in force at the time the alleged incident occurred will still protect you.

Claims Made Policy

A claims made policy covers claims made against you only while the policy is in force. Once the policy has lapsed, you do not have coverage for what occurred in the past, even if the policy was active at that time.

Policy Limits

A typical general liability policy contains 6 different limits:

general aggregate

It is a maximum limit the policy will pay on any number of claims arising out of negligence in your operations, personal or advertising injury, fire damage and medical expenses in a  given policy term.

Products & Completed Operations

Outlines a limit of coverage for insureds engaged in providing a service, or product which caused bodily injury or property damage.

Personal & Advertising Injury

Limits the payment amount for personal injury, which is defined as libel, slander, or invasion of privacy as well as advertising injury, defined as  false or misleading advertisement by the insured.

Per Occurrence

Is the maximum amount an insurance policy will pay for any single claim.

Damage to Rented Premises

Sometimes referred to as Fire Damage, is a coverage for damages to the premises rented by the insured.

Medical Expense

Limits the amount a policy will pay to a third party for minor injuries that occurred at insured's premises, regardless of fault or cause.

When does a General Liability policy actually cover bodily injury and property damage?

There are many nuances that make it vital to really understand how GL coverage works and to ask many questions before purchasing the policy. Here are some examples of when coverage is afforded and when it may be necessary to consider an additional policy:

While installing kitchen cabinets at a client’s new house, you ignore the manufacturer’s instructions to use 2” long screws and, instead, use those that are 1.5” in length. Consequently, one of the cabinets falls down, injuring your client. This bodily injury claim will not be covered by the GL policy. However, if you purchase the 2” screws to install the cabinets and then accidentally mix them up with your 1.5” screws, when the cabinet falls down and injures your client, your policy will protect you.

Let’s now consider a property damage claim that may be filed against you. As a carpet cleaning service provider, you decide to use the bleach that you’ve got handy to clean the stain on a client’s new Persian rug, hoping that it will do the job. As a result, the stain becomes bigger and unmanageable, destroying the rug completely. Your GL policy will not cover this, but a separately purchased Errors & Omissions policy could. What your GL policy would cover, however, is the damage caused to the same Persian rug if you accidentally walked into the bleach bottle, knocking it over and having the bleach spill all over the rug.

Specialized Coverage for Your Business

Every industry poses unique risks and challenges, making it impossible to lump all types of businesses together under a standard policy. Rates and coverage requirements vary depending on industry, just like the types of coverage options and things to consider when purchasing an insurance policy.

At Kuzbiel Insurance Brokers, we help you sort through the insurance options that you should consider if the usage of your car is related to your occupation, profession or business. We offer a variety of insurance products that are specifically tailored to risks unique to your industry and we are always happy to discuss available policy coverages and endorsements. Get a quote today.

For more information about recommended coverage for your business, visit our industry-specific pages: