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General Liability Insurance from GMG Insurance

Running a business means exposing yourself to allegations that you or the business is responsible for an injury to someone or damage to their property. If you are found liable, you could have to compensate the party that was harmed. And even if you are found innocent, you could have to pay legal defense bills.

A commercial general liability policy from GMG Insurance can help. It insures your company for many basic risks and will provide coverage for legal defense costs if those arise. Generally, it covers the costs of property damage, including rental property damage, for which you are found legally liable, as well as financial settlements or awards for bodily injury to persons. Medical payments for bodily injury to non-employees resulting from your business operations are also insured. These business liability policies will also cover allegations of slander and libel that don’t arise out of “professional services” provided by your company.

Broad Coverage But Limited

A business general liability policy offers excellent basic coverage, but it excludes professional services; errors and omissions (E&O); employment practices liability (EPL); directors and officers (D&O); and cyber liability coverage. For these (and others), you need to purchase other insurance. Some insurers will allow you to add to your general liability policy through an “endorsement” while others will have you buy a separate, stand-alone policy for the exposures you want covered.

Business auto liability insurance for non-owed, hired or rented vehicles is also an important coverage to consider.

Many industry-specific liability exposures can be accommodated within a business owners policy for your sector, and commercial umbrella insurance is a good way to expand how much liability insurance is available to you.

We offer basic and comprehensive liability solutions.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at info@gmgins.com.