"General liability" refers to the legal responsibility or obligation that individuals or organizations have for any harm or damage caused to others or their property. It is a type of insurance coverage that helps protect against claims or lawsuits made by third parties for injuries, accidents, or property damage occurring on the premises or as a result of the actions of the insured party.
Full definition
Business owners purchase commercial
general liability insurance policies to protect themselves against lawsuits stemming from bodily injury or property damage claims.
I've lived in a few places and I've always seen renter's policies including
general liability coverage which seemed like it would cover situations like this.
Do some industry research before buying your policy, and remember that some clients may require that you carry a particular amount
of general liability insurance coverage before you can even work for them.
Nearly all policies
include general liability insurance, which covers legal defense, court costs and financial damages for a number of common liability risks.
Additional insured is a type of status associated
with general liability insurance policies that provides coverage to other individuals / groups that were not initially named.
For example,
in general liability as of 2001 a minority of courts included emotional distress within the definition bodily injury.
He also handles complex personal injury and construction claims, as well
as general liability defense.
(b) that the licensee obtain and maintain errors and omissions insurance and
comprehensive general liability insurance, in amounts approved by the director.
Worked as property and casualty claim representative handling auto liability, commercial, and homeowner
general liability claims.
It will also explain whether fellow employee suits are covered
under general liability and commercial auto policies.
Additionally, a local member agent can handle all of your business insurance requirements,
from general liability coverage to workers compensation.
She is a proven litigator whose practice focuses on defense of asbestos, mass tort, products liability, and
general liability matters.
There is a distinction between this kind of protection and that offered
by general liability insurance.
They also
need general liability insurance and professional liability insurance in case they are sued for negligence.
Every business should
carry general liability insurance as it protects the business from property damage, bodily injury, advertising injury, environmental impact, and personal injury claims.
While general liability insurance provides coverage against bodily injuries and property injuries; professional liability insurance provides coverage against negligence, errors and omissions.
You should also find out more
about general liability insurance to insure extra protection should an accident occur.
Most states set their minimum requirements
at general liability, but drivers tend to find it to be lacking.
There are rare instances, like churches, law practices, and services,
where general liability covers product liability, but these are the exception.
Make sure that you review all your policy types so you can see
if general liability, collision or comprehensive will work best for you and the drivers on your policy.
Since general liability covers damage you are responsible for causing, the additional insurance can be used at any time.
A
basic general liability policy excludes liquor liability coverage for businesses who generate a profit from alcohol.
Some clients might also need you to agree to a certain level of
general liability before you can provide goods or services to them.
In fact, many of the additional coverage types we'll discuss below can not be purchased
without general liability already in place.
Maintain general liability insurance; including personal injury, property damage, products and completed operations, with minimum limits of one million dollars.
The carriers are typically large international A and AA rated insurance companies, from whom the client may already
buy general liability insurance.
Phrases with «general liability»