General Liability Insurance
General Liability Insurance Information
Even the best businesses face risks such as claims of bodily injury, property damage or personal injury—any of which could negatively affect your business’s finances. General liability insurance coverage can protect your business from claims in which your business is to be found liable.
Illinois Insurance Associates is a premier provider of general liability insurance. Read on to learn more about how we can help you get this must-have coverage for your business.
What Is General Liability Insurance?
General liability insurance protects your business against claims of property damage, bodily injury, or personal and advertising injury caused by your services, business operations or your employees. These claims can be costly, which is why insurance coverage is essential to protect your business financially.
The following are typically covered by your general liability insurance policy:
Automatic additional insured – Provides coverage for written contracts, agreements and permits
Personal and advertising injury – Protects against offenses made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements
Defense costs – Provides coverage for legal expenses for liability claims brought against your business, regardless of who is at fault
Medical expenses – Provides coverage for medical expenses if someone is injured on your premises or by your products
Premises and operations liability – Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations
Products liability – Provides coverage for bodily injury and property damage sustained by others as a result of your products
Who Needs General Liability Insurance?
General liability insurance is not required, in most cases. That said, this coverage is arguably the most critical in keeping you and your business safe. You may never know when an accident may occur, but you can always be prepared. Contact your agent at Illinois Insurance Associates to discuss your coverage needs before making any final decisions.
What Is the Cost of General Liability Insurance?
The cost of general liability insurance coverage depends on various factors, including the industry of your business, the amount of coverage needed, your claims history and the size of your business. It’s important to discuss your needs with your agent before deciding on your general liability coverage. Be sure to speak with your agent at Illinois Insurance Associates about your business’s specific needs.
Contact Us Today!
At Illinois Insurance Associates, we are equipped to shop for the best policy to suit your needs. Contact us today to speak with an agent about general liability insurance coverage for your business.