General Liability insurance coverage provides protection for bodily injury or property damage that may occur while on your premises, in the course of your operation, for your product, or your completed operation. It normally includes defense costs outside the limit of liability amount that is purchased.
There are additional liability coverage’s that need to be purchased by specific industries to provide a broader circle of protection.
- Employers Liability provides coverage if an employee is injured and can show the employer put the employee in a position of harm.
- Employment Practices Liability provides coverage for items such as failure to promote, wrongful termination or sexual harassment. 3rd party coverage can be included in the Employment Practices Liability coverage.
- Liquor Liability coverage is very important to those establishments where alcohol is served.
- Errors and Omissions or Professional Liability coverage is required by those businesses that offer legal or medical services, contractors that design and computer companies.
These are just a few examples of where the coverage is critical.
Various endorsements are also available under the general liability coverage to expand the coverage provided. As an example, many contractors require additional insured endorsements included in their insurance coverage. As an agency, we “blanket” the endorsement to reduce the cost.